2002 Chevrolet S-10 Blazer Insurance Cost

Drivers have a choice when trying to find the lowest priced Chevy S-10 Blazer insurance. They can either waste time contacting agents to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to shop for insurance coverage and you need to know the quickest way to quote coverages for your Chevy and find the best price possible either online or from local insurance agents.

It’s a good idea to check insurance coverage prices on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best rate for S-10 Blazer insurance two years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn the best way to find better rates and still maintain coverage.

How your S-10 Blazer insurance rates are determined

Many things are considered when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other factors are more transparent such as your credit history or your financial responsibility.It’s important that you understand the different types of things that play a part in calculating your premiums. If you have some idea of what impacts premium levels, this enables informed choices that can help you get better car insurance rates.

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

• Only buy coverage you need – There are many extra coverages that sound like a good idea at the time on your S-10 Blazer policy. Coverages like coverage for rental cars, towing coverage, and extra equipment coverage could be just wasting money. These coverages may sound good initially, but if you have no use for them eliminate the coverages to reduce your premium.
• Raising physical damage deductibles lowers prices – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Chevy. A few examples of covered claims are a broken windshield, hail damage, and having your car stolen. The deductibles you choose state the amount of money you are willing to pay before a claim is paid by your company. The higher the amount the insured is willing to pay, the less your car insurance will be for S-10 Blazer insurance.
• Buy as much liability protection as you can afford – A critical coverage on your policy, liability insurance will protect you when you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
• Always keep your car insurance in place – Allowing your coverage to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
• Experienced drivers save more – Mature drivers are shown to be more cautious, tend to file fewer claims , and usually have better credit.Teen drivers tend to be careless and easily distracted when driving with friends so car insurance rates are higher.

Discount insurance rates

Insurance can be pricey, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be requested specifically before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• College Student Discount – Kids who are attending college and do not have access to a covered vehicle could get you a discount.
• Payment Method – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts may get savings as much as 30%.
• Own a Home and Save – Being a homeowner can get you a discount because it is proof that your finances are in order.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
• Discount for Multiple Policies – If you can combine your auto and home policy with one company you could earn a discount of nearly 15% which can help you find affordable insurance.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, companies don’t profit that way.

Large insurance companies and their possible discounts are included below.

• The Hartford may have discounts that include good student, anti-theft, air bag, vehicle fuel type, defensive driver, driver training, and bundle.
• American Family offers premium reductions for early bird, good student, accident-free, defensive driver, good driver, and Steer into Savings.
• Progressive may include discounts for continuous coverage, good student, online quote discount, multi-policy, and homeowner.
• Travelers policyholders can earn discounts including continuous insurance, home ownership, student away at school, IntelliDrive, and multi-car.
• Farmers Insurance may offer discounts for good student, alternative fuel, early shopping, youthful driver, teen driver, pay in full, and bundle discounts.
• USAA discounts include new vehicle, defensive driver, loyalty savings, multi-policy, and military installation.
• Liberty Mutual has discounts for newly married, new move discount, hybrid vehicle, new graduate, exclusive group savings, preferred payment discount, and good student.

If you need affordable insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your state.

Is there deception in advertising?

Consumers can’t get away from ads that promise big savings for switching by companies like Progressive, Allstate and Geico. They all seem to make the promise about how much you will save after switching your coverage to them.

How does every car insurance company charge less that you’re paying now? This is the trick they use.

Most companies give the best rates for the type of driver that will generate a profit. An example of this type of risk profile may need to be between the ages of 30 and 50, is a homeowner, and the vehicle is rated for pleasure use. Any person who meets those qualifications is entitled to the best price and will cut their rates if they switch.

Insureds who don’t meet this ideal profile may be required to pay a higher rate which leads to the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully lure you into getting a quote.

This really emphasizes why you really should do a rate comparison at every renewal. It’s just not possible to know with any certainty which company will provide the lowest premium rates.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions can aid in determining whether you would benefit from professional advice.

• What if I total my 2002 Chevy S-10 Blazer and owe more than it’s worth?
• Where can I get insurance after a DUI in my state?
• Is my babysitter covered when using my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered if my car is in a flood?
• When should I buy a commercial auto policy?
• Are rock chip repairs covered?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three 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 $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like medical services, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Chevy S-10 Blazer.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, X-ray expenses, chiropractic care and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover 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 universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, hitting a mailbox, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, fire damage, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Knowledge is power

Insureds switch companies for a number of reasons such as high rates after DUI convictions, questionable increases in premium, policy non-renewal or even high prices. It doesn’t matter what your reason, choosing a new company can be less work than you think.

When searching for cheaper insurance quotes, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented a lot of tips how to lower your 2002 Chevy S-10 Blazer insurance car insurance rates. The key concept to understand is the more quotes you get, the higher your chance of finding affordable insurance. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

Additional information is available at these links:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Teen Driving and Texting (State Farm)