Lower Your 2003 Chevrolet S-10 Blazer Insurance Quotes

Trying to find cheaper insurance coverage rates? Buyers have options when searching for low-cost Chevy S-10 Blazer insurance. You can either waste hours calling around to compare prices or leverage the internet to compare rates. There is a better way to shop for insurance coverage so we’re going to tell you the proper way to quote coverages on a Chevy and get the cheapest rates from local insurance agents and online providers.

Smart consumers know how to find insurance at a discount

Smart consumers have a good feel for some of the elements that go into determining your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in lower insurance prices. Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, although others are more obscure such as your credit history or how financially stable you are.

The items below are some of the items companies use to determine premiums.

• Liability protection limits are a factor – A critical coverage on your policy, liability insurance provides coverage in the event that you are found to be at fault for physical damage or personal injury to other. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.
• Do you know your coverage deductibles? – Comprehensive and collision coverage deductibles state the amount of money you are required to pay if a covered claim is submitted. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims are a windshield broken by a bird, damage from fire, or theft of your vehicle. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be for S-10 Blazer coverage.
• When should you not file a claims? – If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies give better rates to people who do not file claims often. Your insurance policy is intended to be relied upon for larger claims.
• Job impacts premiums – Did you know your career choice can influence rates? Occupations such as military generalsair traffic controllers and financial analysts usually pay the highest average rates attributed to high stress levels and incredibly demanding work hours. Other occupations such as scientists, athletes and performers get better rates for S-10 Blazer coverage.
• Credit rating impacts prices – Credit rating can be an important factor in determining what you pay. If your credit score could use some work, you could pay less to insure your 2003 Chevrolet S-10 Blazer by taking the time to improve your credit score. People with high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit ratings.

Car Insurance Discounts

Auto insurance companies don’t always advertise every policy discount in a way that’s easy to find, so the following list contains a few of the more well known as well as some of the hidden car insurance savings.

• Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques could earn you a small percentage discount and make you a better driver.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for S-10 Blazer coverage but check with your company.
• Driver Education Discount – Require your teen driver to complete a driver education course in school.
• Clubs and Organizations – Having an affiliation with a professional or civic organization could qualify you for a break when getting a car insurance quote.
• Telematics Devices – Drivers who agree to allow companies to analyze driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, companies wouldn’t make money that way.

Companies and some of their more popular discounts include:

• American Family offers premium reductions for air bags, TimeAway discount, multi-vehicle, mySafetyValet, bundled insurance, and good driver.
• Nationwide has discounts for family plan, easy pay, good student, anti-theft, and Farm Bureau membership.
• MetLife offers discounts for accident-free, good driver, defensive driver, claim-free, multi-policy, and good student.
• 21st Century includes discounts for driver training, student driver, theft prevention, teen driver, 55 and older, and air bags.
• Farmers Insurance policyholders can earn discounts including early shopping, alternative fuel, multi-car, bundle discounts, and teen driver.
• Allstate may have discounts that include safe driver, premier discount, resident student, farm vehicle, passive restraint, anti-theft, and defensive driver.

If you want cheap car insurance quotes, ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in every state.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

• Is my trailer covered?
• How high should my uninsured/underinsured coverage be in my state?
• Is my teenager covered with friends in the car?
• Am I covered when driving someone else’s vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, structural damage, medical services, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 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 important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Knowledge is power

You just read many ideas to get a better price on 2003 Chevy S-10 Blazer insurance. The key thing to remember is the more you quote car insurance, the higher your chance of finding affordable car insurance. You may be surprised to find that the best premium rates are with a smaller regional carrier.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

People change insurance companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, unfair underwriting practices or questionable increases in premium. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

Helpful resources

• Choosing an Insurance Company (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)