Lower Your 2002 Chevrolet S-10 Blazer Car Insurance Quotes

Want the cheapest car insurance rates? Drivers have many options when trying to find low-cost Chevy S-10 Blazer insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are more efficient ways to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Chevy and obtain the lowest price from both online companies and local agents.

It’s a good habit to get comparison quotes yearly because prices change frequently. Even if you got the lowest price on S-10 Blazer insurance two years ago a different company probably has better rates today. So just block out anything you think you know about car insurance because you’re going to learn one of the best ways to save money, get proper coverage and the best rates.

Compare the Market for Insurance

Finding cheaper 2002 Chevy S-10 Blazer insurance prices is a fairly straight forward process. You just need to spend a few minutes on the computer to get quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing repetitive form entry for each company you want a rate for. A single form will return price quotes from many national carriers.It’s the quickest way to get rates.
  2. A harder way to get comparison quotes requires a visit to each company’s website to complete their respective quote request forms. For instance, let’s assume you want to compare rates from State Farm, Allstate and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, ensure you are comparing apples-to-apples coverages for every quote you compare. If you use mixed coverages you will not be able to truly determine the lowest rate.

Discounts are basically free money

Auto insurance companies do not advertise every available discount very well, so we researched some of the more common and also the lesser-known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Good Student – This discount can save 20 to 25%. This discount can apply until age 25.
  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Military Rewards – Having a family member in the military can result in better rates.

It’s important to note that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

To see a list of insurance companies who offer auto insurance discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • What is the minimum liability in my state?
  • Where can I find high-risk insurance?
  • Am I covered when driving on a suspended license?
  • I have a DUI can I still get coverage?
  • Does my insurance cover a custom paint job?
  • What is the difference between comprehensive and collision coverage?
  • Do I need an umbrella policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Chevy S-10 Blazer rates influenced by many factors

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single moving violation can boost insurance rates forty percent or more. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Your stress level may be raising your rates – Jobs such as real estate brokers, executives and accountants tend to pay higher rates than average attributed to high stress and lots of time spent at work. On the flip side, professions such as farmers, athletes and retirees have the lowest average rates on S-10 Blazer insurance.
  • Low deductibles can be expensive – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. A few examples of covered claims are colliding with a building, damage caused by hail, and burglary. The deductibles are how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more expense you have to pay, the less your insurance coverage will be on S-10 Blazer insurance.
  • More miles equals more premium – The more miles you rack up on your Chevy in a year’s time the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Having the wrong rating on your S-10 Blazer may be wasting your money. Verify your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Older drivers pay less – Youthful drivers have a tendency to be more careless behind the wheel so they pay higher insurance coverage rates. Parents adding a teen driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • More people means more accidents – Being located in small towns and rural areas can save you money when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have traffic congestion and longer commute times. Higher commute times means more change of being in an accident.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Chevy S-10 Blazer earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Specific coverage details

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass, fire damage, damage from flooding and theft. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for EMT expenses, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage – This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision insurance covers damage to your S-10 Blazer resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, driving through your garage door, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy S-10 Blazer.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Final thoughts

In this article, we covered a lot of information how to compare 2002 Chevy S-10 Blazer insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from the smaller companies.

Lower-priced insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

People change insurance companies for any number of reasons including poor customer service, policy cancellation, policy non-renewal or not issuing a premium refund. Regardless of your reason, switching insurance companies is pretty easy and you might even save some money in the process.

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