Cheaper 2003 Chevrolet S-10 Blazer Insurance Cost

If price shopping insurance quotes online is new to you, you can easily be overwhelmed by the confusing number of local and online companies all offering big savings.

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Although car owners can benefit from knowing how big insurance companies compete online and take advantage of how the system works.

First Step: Get free auto insurance quotes

Most of the larger companies such as Allstate, GEICO and Progressive allow you to get insurance quotes on their websites. Doing online quotes is pretty easy as you simply type in your required coverages as detailed in the form. After you submit the form their rating system sends out for information on your driving record and credit history and quotes a price based on the data you entered.

Online price quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible if you are searching for a better rate.

An easier way to lower your rates uses one form to get prices from more than one company. It’s a real time-saver, reduces the work, and makes online quotes much easier to do. After sending the form, it gets priced with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To save time and find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate coverages and limits as shown on your current policy. This makes sure you will have a price comparison using the exact same coverages.

Can you really save if you switch?

Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to make the point about savings just by switching your coverage to them. Is it even possible that every company can make the same claim? Just pay attention to how they say it.

All the different companies give the cheapest rates for the type of customer that earns them a profit. An example of a profitable insured may need to be between the ages of 30 and 50, owns a home, and the vehicle is rated for pleasure use. Any new insured who fits those characteristics receive the lowest rate quotes and have a good chance to save when switching.

Consumers who don’t qualify for the ideal profile must pay a higher premium and ends up with the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much money. This is how insurance companies can make claims like that. Because every company is different, you absolutely need to get a wide range of price quotes. It is just not possible to predict with any certainty which company will give you lower premium rates than your current company.

Six factors that determine insurance rates

A large part of saving on insurance is knowing some of the elements that help determine your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that can earn you lower insurance prices.

  • Incidental coverages you don’t use – Insurance policies have a lot of optional add-on coverages that can waste your money if you aren’t diligent. Insurance for rental car coverage, accident forgiveness, and extra life insurance coverage may be wasting your money. You may think they are a good idea when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
  • Pay more of a claim out-of-pocket – Physical damage coverage, aka comp and collision, covers damage that occurs to your Chevy. Examples of some claims that would be covered could be a dented fender, hitting a deer, and damage caused by flying debris. The deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more the insured has to pay upfront, the less your insurance will be for S-10 Blazer insurance.
  • Buy a safe car and pay less – Vehicles with high crash test scores cost less to insure. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Combining policies can get discounts – Most larger companies will award lower prices to clients who consolidate policies with them such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Expect high rates for teens – Drivers with little experience are statistically proven to be less responsible when driving with friends therefore insurance rates are much higher. Adding a teen driver to your insurance policy will cause a huge premium hike. More experienced drivers have been proven to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.
  • Deter vehicle theft – Buying a car with a theft deterrent system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.

Discounts for affordable car insurance rates

Some insurance providers don’t always list every available discount very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Military Discounts – Having an actively deployed family member could trigger a small discount.
  • Low Mileage – Keeping the miles down on your Chevy could be rewarded with lower prices due to less chance of an accident.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may get savings as much as 30%.
  • Savings for New Vehicles – Insuring a new car can get you a discount since new model year vehicles have better safety ratings.
  • Telematics Discount – Drivers who agree to allow their insurance company to monitor where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
  • College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Membership in Organizations – Affiliation with certain professional organizations is a good way to get lower rates on car insurance.
  • Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% for S-10 Blazer insurance compared to rates paid by drivers with frequent claims.

Drivers should understand that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will bring down the amount you have to pay.

A list of car insurance companies and a partial list of their discounts can be read below.

  • State Farm has discounts for accident-free, multiple autos, good student, student away at school, multiple policy, passive restraint, and good driver.
  • Liberty Mutual may include discounts for multi-policy, new graduate, newly retired, good student, and preferred payment discount.
  • American Family offers premium reductions for early bird, mySafetyValet, good student, accident-free, TimeAway discount, and good driver.
  • Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, continuous coverage, and homeowner.
  • Farmers Insurance includes discounts for homeowner, distant student, pay in full, youthful driver, teen driver, bundle discounts, and multi-car.
  • Auto-Owners Insurance may offer discounts for paid in full, paperless, teen driver, multi-policy, student away at school, air bags, and good student.
  • SAFECO may have discounts that include safe driver, homeowner, teen safe driver, drive less, and anti-theft.

Check with each company or agent which credits you are entitled to. Discounts might not be offered on policies in your area. For a list of insurers that offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Am I getting all the discounts available?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Where can I find DUI or SR-22 insurance?
  • What is high-risk coverage and where do I buy it?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving on a suspended license?
  • What companies insure drivers after a DUI or DWI?
  • Does my policy pay for OEM or aftermarket parts?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like pain medications, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Auto liability insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, medical expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

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

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, 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.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More effort can pay off

Cheap 2003 Chevy S-10 Blazer insurance can be found from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer rate quotes online and these regional insurance providers prefer to sell through local independent agencies.

As you quote insurance, never reduce needed coverages to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

People who switch companies do it for many reasons like high rates after DUI convictions, being labeled a high risk driver, policy cancellation and extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.

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