How Much Does 1998 Chevrolet S-10 Blazer Insurance Cost?

Searching for the cheapest insurance coverage rates for your Chevrolet S-10 Blazer? Locating the cheapest insurance for your Chevy S-10 Blazer could be an all-consuming task, but you can use our insurance coverage buying tips to save time. There is a better way to buy insurance coverage so you’re going to learn the proper way to price shop coverage for your Chevy and find the lowest price from local insurance agents and online providers.

You should make it a habit to check insurance coverage prices quite often because insurance coverage prices are variable and change quite frequently. Despite the fact that you may have had the best price for S-10 Blazer coverage a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the quickest way to buy cheaper insurance coverage.

If you are insured now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Finding affordable protection is not that difficult. Consumers just need to learn how to compare price quotes online.

How your S-10 Blazer insurance prices are determined

Many different elements are part of the equation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but others are more obscure like your continuous coverage or how safe your car is.Consumers need to have an understanding of the factors that come into play when calculating your policy premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that could help you find lower car insurance prices.

  • Choose high crash test ratings and save – Cars with high safety ratings tend to have lower insurance rates. Safer cars reduce injuries and lower rates of occupant injuries means lower claim amounts and thus lower rates. If your Chevy S-10 Blazer has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Safeguard your assets with liability coverage – The liability coverage on your policy is the protection if ever you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Do you really need to file that policy claims? – Insurance companies provide the lowest premiums to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Incidental coverages that may not be needed – Insurance companies have many additional coverages that can add up when buying car insurance. Coverage for things 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 they’re wasting money consider taking them off your policy.

Drivers save money with these money-saving discounts

Car insurance can be pricey, but you might already qualify for some discounts to help bring down the price. A few discounts will be applied when you purchase, but occassionally some discounts must be asked for prior to receiving the credit.

  • Early Signing – A few insurance companies allow discounts for buying a policy early. This discount can save up to 10%.
  • Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
  • Paperwork-free – Some of the larger companies provide a small discount get insurance coverage online.
  • Auto/Home Discount – When you combine your auto and home insurance with the same company you could get a discount of up to 20% off your total premium.
  • Claim-Free Discount – Drivers who don’t have accidents pay much less as opposed to drivers who are more careless.
  • Auto/Life Discount – Select car insurance companies reward you with better rates if you take out life insurance from them.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less since newer vehicles are generally safer.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts will positively reduce your overall premium however.

For a list of providers who offer online car insurance quotes, follow this link.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions might point out whether your personal situation might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Is upholstery damage covered by car insurance?
  • When would I need rental car insurance?
  • Why does it cost so much to insure a teen driver?
  • Are rock chip repairs covered?
  • If my pet gets injured in an accident are they covered?
  • Should I buy full coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Does insurance cover tools stolen from my truck?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your S-10 Blazer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, rolling your car, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, EMT expenses, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from flooding, damage from a tornado or hurricane and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy S-10 Blazer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Be a Smart Shopper

Consumers change insurance companies for any number of reasons including denial of a claim, policy non-renewal, policy cancellation or even being labeled a high risk driver. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

We just showed you many ways to lower your 1998 Chevy S-10 Blazer insurance prices. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest prices are with an unexpected company.

As you quote insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best possible price, not the least amount of coverage.

Additional car insurance information is available at the links below