Compare 2002 Chevrolet S-10 Blazer Insurance Rates

Consumers have lots of choices when looking for low-cost Chevy S-10 Blazer insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy car insurance so you’re going to learn the quickest way to compare rates for a new or used Chevy and locate the best price possible from both online companies and local agents.

Consumers need to do rate comparisons quite often because prices are usually higher with each renewal. If you had the lowest rates for S-10 Blazer coverage on your last policy you can probably find a lower rate today. So forget all the misinformation about car insurance because you’re going to get a crash course in the easiest way to find lower rates on car insurance.

The quickest way to compare car insurance company rates utilizes the fact most of the larger companies pay for the opportunity to quote your coverage. The only thing you need to do is give them rating details like how many miles driven, if you have a valid license, if you lease or own, and the make and model of your vehicles. That information is instantly sent to multiple different insurance companies and you should receive rate quotes quickly.

To start a rate quote now, click here and see if a lower rate is available.

Discounts on 2002 Chevy S-10 Blazer insurance

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at the time of purchase, but a few must be specifically requested prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Student in College – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • No Claims – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will help reduce your premiums.

Insurance companies that may offer some of the above discounts include:

Check with every prospective company which discounts they offer. Some discounts may not be available everywhere.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover tools stolen from my truck?
  • What if I owe more than I can insure my car for?
  • When should I buy a commercial auto policy?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Some factors that can determine what Chevy S-10 Blazer insurance costs

Consumers need to have an understanding of some of the elements that go into determining your auto insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are some of the items that factor into prices.

  • Your location affects your rates – Living in less populated areas can save you money when talking about auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Urban drivers have traffic congestion and longer commute times. More time commuting means more change of being in an accident.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you when a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The more money the insured has to pay upfront, the less your auto insurance will be for S-10 Blazer coverage.
  • Younger drivers pay higher rates – Youthful drivers are known to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, file fewer claims and receive fewer citations.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a fast way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance will get you a steep fine or even jail time.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do you qualify for a multi-policy discount? – Some companies provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Careful drivers pay lower rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.

Ads can be misleading

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. They all seem to make the same claim that you’ll save big if you move your coverage to them.

How does each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk could be a mature driver, has no prior claims, and has a short commute. Any new insured who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match these standards will be quoted higher premiums which usually ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

This emphasizes why you need to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Chevy S-10 Blazer insurance rates.

Parts of your car insurance policy

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability

Liability insurance will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, attorney fees, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage and hail damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, X-ray expenses, prosthetic devices, doctor visits and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy S-10 Blazer.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Collision protection

Collision insurance will pay to fix damage to your S-10 Blazer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to discover later that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford.

Cheaper 2002 Chevy S-10 Blazer insurance is available on the web as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for any number of reasons including high prices, delays in responding to claim requests, being labeled a high risk driver and unfair underwriting practices. No matter why you want to switch, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

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