Lower Your 2002 Chevrolet S-10 Blazer Insurance Quotes

Finding better insurance prices for a new or used Chevy S-10 Blazer can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for auto insurance and we’ll show you the quickest way to get price quotes for a Chevy and locate the lowest price either online or from local insurance agents.

Quick Insurance Coverage Quotes

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each participating company can give them a price based on that information. This eliminates the need for quote forms for each company.

To compare 2002 Chevy S-10 Blazer rates using this form now click to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which providers to receive prices from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare exactly the same coverage limits and deductibles on every quote you get. If you enter different values for each quote it will be very difficult to determine the lowest rate for your Chevy S-10 Blazer.

Discounts can save BIG

Companies that sell car insurance do not advertise all available discounts very clearly, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Drive Safe and Save – Safe drivers may save up to 50% more on S-10 Blazer insurance than their less cautious counterparts.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Government Employees – Active or retired federal employment may qualify you for a discount on S-10 Blazer insurance with select insurance companies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • E-sign – Some insurance companies may give you up to $50 just for signing your application online.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on S-10 Blazer insurance.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Car insurance companies that may have these money-saving discounts are:

Check with all companies you are considering which discounts they offer. Some discounts may not be available everywhere.

Chevy S-10 Blazer rates are in the details

Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to better auto insurance rates.

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • No coverage gaps is important – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time.
  • Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some instances where coverage would apply could be colliding with a building, vandalism, or theft. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your auto insurance will be on S-10 Blazer insurance.
  • Claim-free discounts can add up – Insurance companies provide lower rates to insureds who are claim-free. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • With age comes lower rates – Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers are known to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
  • Do you need the policy add-ons? – There are quite a few extra coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.

Will just any policy work for me?

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether or not you might need professional guidance.

  • How high should deductibles be on a 2002 Chevy S-10 Blazer?
  • What are the financial responsibility laws in my state?
  • How do I buy GAP insurance?
  • How much can I save by bundling my policies?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my babysitter drive my car?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages explained

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, nursing services, funeral costs, prosthetic devices and dental work. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2002 Chevy S-10 Blazer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage pays for damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for liability – This can cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, pain and suffering, funeral expenses, emergency aid and court costs. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

In Summary

In this article, we covered a lot of information how to lower your 2002 Chevy S-10 Blazer insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a lesser-known regional company.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage only to find out that they should have had better coverage. The aim is to purchase plenty of coverage at an affordable rate.

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers and even high rates after DUI convictions. Regardless of your reason, switching insurance companies is easier than you think.

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