1991 Chevrolet S-10 Blazer Insurance Quotes – 5 Savings Tips

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Finding the cheapest insurance coverage on the web may be difficult for people who are new to price shopping online. With a ridiculous number of companies in the marketplace, how can you possibly compare them all to find the lowest price?

How to save on 1991 Chevy S-10 Blazer insurance

Companies offering auto insurance don’t always advertise all available discounts very clearly, so here is a list both well-publicized as well as the least known ways to save on insurance coverage.

  • Accident Forgiveness – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Drive Less and Save – Fewer annual miles on your Chevy can earn better rates on cars that stay parked.

Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

For a list of providers with discount insurance coverage rates, click this link.

Where Can I Get Cheap Insurance?

The are a couple different ways of comparing rate quotes from different insurance companies. The easiest way to find the cheapest 1991 Chevy S-10 Blazer insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • One of the best ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form submissions for each company. One form submission will get you rate comparisons direct from many companies. This is by far the quickest method.
  • A slightly less efficient method to compare rate quotes consists of going to the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want rates from Allstate, Safeco and Progressive. To get rate quotes you would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverages for every company. If each company quotes different liability limits it’s impossible to determine which rate is truly the best. Slightly different limits may cause a big price difference. And when comparison shopping, comparing more company’s prices provides better odds of finding better pricing.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I rent a car in Mexico?
  • Do I need rental car coverage?
  • Can my teen drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

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Insurance coverages and their meanings

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird, theft and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for nursing services, surgery, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, crashing into a building, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as loss of income, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Smart consumers save more

In this article, we covered some good ideas how to lower your 1991 Chevy S-10 Blazer insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company.

When you buy insurance online, you should never reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price.

People who switch companies do it for any number of reasons including delays in paying claims, delays in responding to claim requests, denial of a claim or being labeled a high risk driver. Whatever your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

For more information, feel free to visit the following helpful articles:

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