2005 Chevrolet S-10 Blazer Car Insurance Rates

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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: Nov 15, 2021

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Confused by the wide range of insurance coverage companies? Many other consumers are too. You have so many companies to choose from that it can turn into a real hassle to find the best price.

Consumers need to get comparison quotes occasionally because insurance rates go up and down regularly. Despite the fact that you may have had the lowest price on S-10 Blazer coverage two years ago you will most likely find a better rate today. Starting now, block out anything you think you know about insurance coverage because you’re about to learn how to use online quotes to properly buy coverages and cut your premium.

Pricing cheaper car insurance is not that difficult. In a nutshell, anyone who carries car insurance stands a good chance to be able to find lower rates. Although vehicle owners must learn how big insurance companies market insurance on the web.

Car Insurance Quote Comparison

Most major insurance companies allow you to get coverage prices on the web. Getting online rates is pretty painless as you simply enter your coverage information as detailed in the form. After you submit the form the system gets reports for credit and driving violations and quotes a price based on many factors.

Online quotes streamlines rate comparisons, but the work required to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to find lower prices.

There is an easier way!

An easier way to find better car insurance pricing utilizes a single form to obtain quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended that you enter deductibles and limits exactly as shown on your declarations page. Doing this guarantees you are getting comparison quotes for the exact same coverage.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Most are applied when you quote, but less common discounts must be manually applied before you get the savings.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce your premiums.

Car insurance companies that may offer some of the above discounts include:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

Check with each company which discounts they offer. Some discounts might not be offered in every state.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might help in determining whether or not you might need professional guidance.

  • What are the best liability limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?
  • Where can I get insurance after a DUI in my state?
  • Do I need replacement cost coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Are rock chip repairs covered?
  • Does my insurance cover my expensive audio equipment?
  • Does medical payments coverage apply to all occupants?

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If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverages

This will cover damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, court costs, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, rolling your car, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, EMT expenses, doctor visits, surgery and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

A little work can save a LOT of money

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage only to regret that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We’ve covered many tips how you can compare 2005 Chevy S-10 Blazer insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies.

Cheap insurance is available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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