How Much Does 2005 Chevrolet S-10 Blazer Car Insurance Cost?

I can’t think of a single person who enjoys paying for auto insurance, particularly when the price is too high. Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive lowest rate

Insurance Coverage Prices Online

Getting better 2005 Chevy S-10 Blazer insurance coverage pricing is not a difficult process. Consumers just need to take time comparing rates online from several insurance companies. This can be done in several different ways.

  • One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. A single, simple form will get you price quotes from insurance coverage companies with the best prices.
  • A less efficient way to obtain and compare quotes online is to take the time to go to the website of each company to complete a price quote. For instance, let’s assume you want comparison quotes from Progressive, Esurance and American Family. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient way to get comparison rates is to spend time driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you want the trained guidance that only a license agent can provide. Drivers can get prices online but buy from a local insurance agent.

Whichever method you choose, make darn sure you compare apples-to-apples coverage information with each company. If each company quotes different values for each quote it will be impossible to determine the best price for your Chevy S-10 Blazer.

Chevy S-10 Blazer insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that play a part in calculating insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Rates may be higher depending on your occupation – Occupations like lawyers, executives and accountants tend to have higher rates than average because of job stress and long work days. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates for S-10 Blazer insurance.
  • Never let your coverage lapse – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Tickets mean higher rates – Drivers with clean records get better rates than their less careful counterparts. Just one citation may increase your cost by as much as thirty percent. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Where you live – Choosing to live in less populated areas can be a good thing when talking about insurance coverage. Fewer drivers means fewer accidents. Drivers in populated areas have much more traffic to deal with and longer commutes to work. More time commuting can result in more accidents.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Where do you drive? – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those used for commuting. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because it can save money. If your policy improperly rates your S-10 Blazer can cost quite a bit.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Chevy S-10 Blazer has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Pay less if you’re married – Getting married can get you a discount when buying insurance coverage. Having a spouse translates into being more mature it has been statistically shown that married couples file fewer claims.

Best discounts on 2005 Chevy S-10 Blazer coverage

Auto insurance companies do not list every available discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find ways to save on insurance. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • College Student – Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

Insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is not a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you would benefit from professional advice.

  • Is my 2005 Chevy S-10 Blazer covered for flood damage?
  • Is a new car covered when I drive it off the dealer lot?
  • What is roadside assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the rate difference between pleasure use and commuting?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage options for a 2005 Chevy S-10 Blazer

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision

This pays for 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 coverage pays for things like rock chips in glass, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, court costs, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your S-10 Blazer resulting from a 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 pays for claims such as hitting a parking meter, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, pain medications, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Pennies from heaven

You just learned some good ideas how you can reduce 2005 Chevy S-10 Blazer insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best prices are with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

Affordable insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

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