1996 Chevrolet S-10 Blazer Insurance Rates – 7 Tips for Cheapest Quotes
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UPDATED: Aug 24, 2022
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Want lower auto insurance rates for your Chevrolet S-10 Blazer? Feel like you’re a prisoner to overpriced auto insurance? Trust us, there are many people just like you.
Consumers have many car insurance companies to choose from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to find the lowest rates.
Finding the best rates is not that difficult. In a nutshell, every vehicle owner who has to buy car insurance will be able to cut their insurance bill. Although consumers do need to know the way insurance companies market insurance on the web.
Are you getting all your discounts?
Companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known auto insurance savings.
- Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
- New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings of more than 20%.
- College Student – Children who are attending college and do not have a car may be able to be covered for less.
A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.
Companies who might offer these discounts include:
Double check with every prospective company which discounts you may be entitled to. Some discounts might not be offered in your state.
How can Allstate, GEICO and Progressive save drivers who switch?
Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch to them. How do they all make almost identical claims?
All the different companies have a preferred profile for the type of customer that makes them money. For example, a driver they prefer could possibly be over the age of 40, a clean driving record, and drives newer vehicles. A driver who meets those qualifications is entitled to the best price and most likely will save quite a bit of money when switching.
Potential insureds who fall outside the requirements will have to pay a higher premium and ends up with business going elsewhere. The ads say “people who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully advertise the savings. Because of the profiling, drivers must compare as many rates as you can. You cannot predict which company will fit your personal profile best.
When might I need an agent?
When it comes to choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you may require specific advice.
- When should I not file a claim?
- Am I covered if I wreck a rental car?
- If my pet gets injured in an accident are they covered?
- Does insurance cover damages from a DUI accident?
- What is roadside assistance coverage?
- Do I have coverage if my license is suspended?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
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Educate yourself about insurance coverages
Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.
Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims like loss of income, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, prosthetic devices, funeral costs and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy S-10 Blazer.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a broken windshield, hitting a bird, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Money doesn’t grow on trees
In this article, we presented many tips how you can save on 1996 Chevy S-10 Blazer insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
While you’re price shopping online, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
To learn more, feel free to visit the articles below:
- Parking Tips to Reduce Door Dings (State Farm)
- Five Mistakes to Avoid (Insurance Information Insitute)
- Understanding Car Crashes Video (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Teen Driving and Texting (State Farm)
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