How Much Does 1997 Chevrolet S-10 Blazer Insurance Cost?

Trying to find cheaper insurance rates for your Chevrolet S-10 Blazer? If you are new to getting insurance quotes online, there’s a good chance you are confused due to the large selection of online insurance companies and websites vying for business.

You should make it a habit to get comparison quotes before your policy renews because insurance rates trend upward over time. Even if you think you had the best rate on S-10 Blazer insurance at your last renewal you will most likely find a better price today. Forget all the misinformation about insurance because we’re going to show you the best way to remove unneeded coverages and save money.

How to buy car insurance online

When comparison shopping, there are several ways of comparing price quotes from car insurance companies in your area. The fastest way to find the cheapest 1997 Chevy S-10 Blazer insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The most efficient way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do a different quote for every company. One form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.

A harder way to find more affordable insurance consists of going to the website for each individual company and get a separate price quote. For instance, we’ll assume you want to get rates from Farmers, Safeco and Progressive. You would need to visit each site to enter the same coverage data repeatedly, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming method to compare price quotes is to spend time driving to all the different insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless you prefer the professional advice of a local agency. Some companies do allow you to comparison shop online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples deductibles and coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison. Having just a slight variation in coverages may result in a large different in cost. And when quoting car insurance, remember that obtaining a wide range of quotes will enable you to find better pricing.

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How to lower your insurance costs

A large part of saving on auto insurance is knowing a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the factors used by insurance companies to determine your prices.

• Older drivers pay less – Beginning drivers have been known to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Adding a first-time driver to your auto insurance policy can really hurt. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and receive fewer citations.
• Lower rates for married couples – Getting married can actually save you money on your auto insurance bill. It may mean you are more mature and responsible and statistics show married drivers get in fewer accidents.
• Auto insurance rates and occupation – Occupations like military personnelair traffic controllers and financial analysts generally have the highest average rates in part from high stress and incredibly demanding work hours. On the other hand, jobs like scientists, engineers and homemakers get better rates on S-10 Blazer insurance.
• More policies can equal more savings – Most major auto insurance companies provide better rates to clients who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to compare rates to make sure you are getting the best deal.
• Alarm systems lower auto insurance rates – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.
• Deductibles are a factor – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Some examples of covered claims would be running into the backend of another car, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket if the claim is covered. The more of the claim you have to pay, the less your auto insurance will be on S-10 Blazer insurance.
• Extra coverages push up premiums – Policies have extra coverages that can waste your money but may not be useful. Coverages like rental car reimbursement, accidental death, and motor club memberships may be wasting your money. They may seem good when buying your policy, but if you don’t need them eliminate them to save money.

Insurance companies offer lots of discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that many consumers don’t even know exist. Most are applied at the time you complete a quote, but some may not be applied and must be manually applied before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Active Service Discounts – Being deployed in the military could mean lower rates.
• Driver’s Education for Students – Teen drivers should take driver’s ed class in high school.
• Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison with accident-prone drivers.
• Student in College – who are enrolled in higher education away from home and leave their car at home can receive lower rates.
• Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft and that can save you a little bit as well.
• Discount for Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Telematics Data – Policyholders that allow data collection to track driving habits remotely such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
• Clubs and Organizations – Participating in certain professional organizations could qualify you for a break on your policy.

As a footnote on discounts, some credits don’t apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Insurance companies that may have some of the discounts shown above possibly include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need low cost insurance quotes, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to see a list of insurance companies that provide some of the discounts listed above, click this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

• Is extra glass coverage worth it?
• Does my 1997 Chevy S-10 Blazer need full coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does car insurance cover theft of personal property?
• Should I get collision insurance on every vehicle?
• How do I insure my teen driver?
• Can I afford to buy a different vehicle if my 1997 Chevy S-10 Blazer is totaled?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

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Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy S-10 Blazer.

Since a lot of 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 should not be overlooked.

Auto liability – Liability coverage protects you from damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as bail bonds, attorney fees, structural damage, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

Collision coverage pays for things like rolling your car, driving through your garage door, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, chiropractic care, hospital visits, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

One last thing

Insureds leave their current company for many reasons like high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or delays in responding to claim requests. It doesn’t matter what your reason, finding a new company is actually quite simple.

We just presented some good ideas how you can shop for 1997 Chevy S-10 Blazer insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding the cheapest insurance. You may even find the best price on insurance is with the least-expected company.

Discount 1997 Chevy S-10 Blazer insurance is definitely available from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

More tips and info about insurance can be read in the articles below:

• Medical Payments Coverage (Liberty Mutual)
• What is Covered by GAP Insurance? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Insurance Learning Center (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)

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