1990 Chevrolet S-10 Blazer Car Insurance Cost – 6 Tricks for Cheaper Prices

Comparing and finding more affordable coverage rates for insurance is always hard for drivers new to shopping for insurance online. With so many options of companies, it can turn into a lot of work to find cheaper coverage rates.

It is always a good idea to get comparison quotes before your policy renews because insurance prices change frequently. Just because you had the lowest rate for S-10 Blazer coverage at your last renewal a different company probably has better premium rates today. Ignore everything you know about insurance because you’re about to learn the best way to properly buy coverages while reducing your premium.

Verify you’re receiving every discount

Some providers do not advertise every discount they offer in an easy-to-find place, so we break down some of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Paperwork-free – A few larger companies will give you a small discount shop auto insurance on their website.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Resident Student – Older children who live away from home to go to college and don’t have a car could qualify for this discount.
  • One Accident Forgiven – This isn’t a discount exactly, but certain companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free prior to the accident.

You should keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and their possible discounts can be read below.

  • Progressive offers discounts for multi-policy, good student, online quote discount, multi-vehicle, homeowner, online signing, and continuous coverage.
  • GEICO has discounts for anti-lock brakes, emergency military deployment, five-year accident-free, daytime running lights, driver training, and defensive driver.
  • State Farm policyholders can earn discounts including passive restraint, driver’s education, safe vehicle, multiple autos, accident-free, good student, and multiple policy.
  • Esurance has savings for Switch & Save, emergency road assistance, paid-in-full, anti-theft, DriveSense, and multi-policy.
  • The Hartford may have discounts that include anti-theft, air bag, defensive driver, vehicle fuel type, bundle, driver training, and good student.

Before buying, ask each company or agent the best way to save money. Some credits may not be available in your area. If you would like to view insurance coverage companies offering insurance coverage discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if you may require specific advice.

  • How high should deductibles be on a 1990 Chevy S-10 Blazer?
  • Should I have combined single limit or split liability limits?
  • Do I have any recourse if my insurance company denies a claim?
  • What is UM/UIM insurance?
  • What is PIP insurance?
  • Does coverage extend to my business vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a Chevy S-10 Blazer

Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your S-10 Blazer from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability coverage

This will cover damages or injuries you inflict on other’s property or people. Liability coverage has 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 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like emergency aid, medical services, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, damage from a tornado or hurricane, damage from getting keyed, falling objects and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1990 Chevy S-10 Blazer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More effort can pay off

Consumers change insurance companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, questionable increases in premium or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

Cheaper insurance coverage is attainable online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide rate quotes online and usually these regional carriers only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Additional insurance coverage information is available on the following sites: