2002 Chevrolet S-10 Blazer Car Insurance Rates – 9 Tips to Save

Searching for cheaper car insurance rates for your Chevrolet S-10 Blazer? There isn’t anyone who likes having to buy car insurance, in particular when they are paying too much.

Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to find the lowest cost out there.

Consumers should take time to get comparison quotes at least once a year due to the fact that insurance prices trend upward over time. Just because you found the lowest quotes for S-10 Blazer insurance at your last renewal you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest way to reduce your cost while improving coverage.

The cheapest insurance coverage

Shopping for lower insurance coverage rates can be challenging if you aren’t aware of the most efficient way. You could spend your day discussing policy coverages with agents in your area, or you could use the web for quick rates.

All the larger companies participate in an industry program where prospective buyers submit their information once, and at least one company provides a quote based on that data. This system prevents you from having to do quote forms to each individual insurance coverage company. To use this form to compare rates click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose the insurers to receive prices from. If you would rather choose specific insurance companies to compare, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just ensure you’re using exactly the same coverage data for each comparison quote. If each company quotes mixed coverages it will be next to impossible to truly determine the lowest rate. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes helps you find the best rates.

Smaller companies may have the best rates

Popular insurance providers such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make the promise about how much you will save if you switch your coverage to them. That’s great but how can every company have lower policy pricing? It’s all in how they say it.

Many companies have specific characteristics for the type of customer that makes them money. For example, a profitable insured might be a married female, insures multiple vehicles, and drives a lower-performance vehicle. Any driver who matches that profile may get the lowest premium rates as well as save quite a bit of money when switching.

Potential insureds who fall outside the requirements must pay higher premium rates and the customer not buying. If you listen closely, the ads state “people that switch” not “everyone that quotes” save money. This is how insurance companies can confidently make it sound like they have such great premium rates. This really emphasizes why you need to compare price quotes frequently. It is just not possible to predict which insurance company will have the best car insurance rates for your profile.

Do you qualify for discount auto insurance?

Companies don’t always list every possible discount in a way that’s easy to find, so we researched some of the best known as well as the least known credits that may apply to you.

  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates for S-10 Blazer insurance than drivers with accident claims.
  • New Vehicle Savings – Buying a new car model is cheaper due to better safety requirements for newer vehicles.
  • Save over 55 – Seniors may be able to get lower premium rates for S-10 Blazer insurance.
  • More Vehicles More Savings – Buying coverage for multiple vehicles with the same auto insurance company qualifies for this discount.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could earn better prices on cars that stay parked.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Claim-Free Discount – Drivers who stay claim-free get the best auto insurance rates when compared with drivers who are more careless.
  • Safety Course Discount – Passing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A few companies that may offer policyholders some of the above discounts include:

Before purchasing a policy, check with every insurance company to give you their best rates. Some credits may not be available in your area. If you would like to view insurance companies that offer the discounts shown above, click here to view.

What insurance coverages do I need?

When choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company denied a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I still get insurance after a DUI?
  • Do I need higher collision deductibles?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

The coverage is in the details

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

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2002 Chevy S-10 Blazer.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, vandalism and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for X-ray expenses, doctor visits, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your S-10 Blazer caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, colliding with a tree, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Feed the piggy bank

We just showed you a lot of tips how to save on 2002 Chevy S-10 Blazer insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the lowest prices come from a lesser-known regional company. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as Progressive and GEICO.

As you quote insurance, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

More tips and info about insurance coverage is located in the articles below: