Lower Your 1994 Chevrolet S-10 Blazer Insurance Quotes

Want the cheapest car insurance rates for your Chevrolet S-10 Blazer? Have you finally had enough of scraping the payment together to pay high car insurance rates every month? You are in the same boat as many other drivers. Many insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer to find the absolute lowest rate possible.

Why you might pay inflated rates

Lots of things are used when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are not as apparent like where you live and annual miles driven.

  • Marriage discount – Having a wife or husband may earn you lower rates on your car insurance policy. Marriage may mean you are more stable financially and statistics prove married drivers get in fewer accidents.
  • Add-on coverages can add up – There are a lot of extra coverages that can add up if you aren’t diligent. Coverages like roadside assistance, better glass coverage, and additional equipment coverage are some examples. You may think they are a good idea when you first buy your policy, but if you have no use for them get rid of them and save.
  • Tickets mean higher costs – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets receive lower rates compared to bad drivers. Having a single moving violation can increase rates by as much as thirty percent. Drivers who have received serious citations like reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Good credit means lower prices – Having a bad credit history is a large factor in determining your rates. If your credit score could use some work, you could pay less to insure your 1994 Chevrolet S-10 Blazer by improving your rating. Drivers with excellent credit scores tend to be less risk to insure than those with lower credit scores.
  • Vehicle features that lower rates – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Does your job cost you more? – Jobs such as lawyerspolice officers and accountants have higher rates than average attributed to stressful work requirements and lots of time spent at work. Conversely, occupations like scientists, historians and the unemployed have lower than average premiums for S-10 Blazer insurance.
  • Put fewer miles on your vehicle – The more you drive each year the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Autos that are left in the garage receive better premium rates than vehicles that are driven to work every day. Ask your agent if your car insurance declarations sheet reflects the right rating data, because improper ratings can cost you money. A policy that improperly rates your S-10 Blazer is just wasting money.
  • Too many policy claims drive up rates – If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide lower rates to insureds who file claims infrequently. Auto insurance is designed for major claims that would cause financial hardship.

Find discounts on car insurance

Companies that sell car insurance do not list all disounts very clearly, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious car insurance savings.

  • Sign Online – A few car insurance companies will provide an incentive for buying a policy and signing up on the web.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Sign Early and Save – Some insurance companies provide a discount for signing up before your current coverage expires. The savings is around 10%.
  • Own a Home – Just being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Smart Student Discounts – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on a single policy qualifies for this discount.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like State Farm and Progressive will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

As a sidenote, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular car insurance companies and the discounts they provide can be found below.

  • GEICO policyholders can earn discounts including anti-lock brakes, military active duty, anti-theft, seat belt use, and good student.
  • Travelers offers discounts for IntelliDrive, payment discounts, good student, multi-policy, and continuous insurance.
  • Farm Bureau offers discounts including renewal discount, multi-vehicle, driver training, good student, youthful driver, and multi-policy.
  • Liberty Mutual discounts include multi-car, good student, teen driver discount, newly retired, and new move discount.
  • American Family includes discounts for good driver, Steer into Savings, multi-vehicle, mySafetyValet, good student, and bundled insurance.
  • Progressive has savings for multi-policy, homeowner, online quote discount, good student, and multi-vehicle.

It’s a good idea to ask all companies you are considering which discounts you qualify for. Savings may not be offered in your area. To locate car insurance companies that offer discounts, click this link.

Car insurance in the media

Consumers can’t get away from ads that promise big savings by Allstate, GEICO and Progressive. All the companies seem to make the promise that drivers can save some big amount if you switch your car insurance coverage to their company.

How is it plausible that every one can make almost identical claims? You have to listen carefully.

Insurance companies have specific criteria for a prospective insured they prefer to insure. One example of a profitable risk profile could be married and over the age of 30, has never had a claim, and chooses high deductibles. Anyone that matches those criteria receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile must pay higher premiums which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save that much. That’s why companies can truthfully state the savings.

This illustrates why drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will give you lower prices than your current company.

Tailor your insurance coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • What is the minimum liability in my state?
  • What can I do if my company won’t pay a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I benefit by insuring my home with the same company?
  • Am I better off with higher deductibles on my 1994 Chevy S-10 Blazer?
  • When can I cancel my policy?
  • Is my trailer covered?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your S-10 Blazer resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills for things like EMT expenses, funeral costs, chiropractic care, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, falling objects and theft. The maximum amount 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.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1994 Chevy S-10 Blazer.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Coverage for liability – This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, funeral expenses, structural damage and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Affordable insurance is out there

More affordable insurance can be sourced online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies may not have price quotes online and usually these regional insurance providers only sell coverage through independent agents.

We’ve covered a lot of information how to reduce 1994 Chevy S-10 Blazer insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

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