View 2002 Chevrolet S-10 Blazer Car Insurance Cost

Nobody I know looks forward to paying for insurance coverage, in particular when they are paying too much. Lots of insurance companies contend for your business, so it can be very hard to choose a provider and get the definite lowest cost out there.

Smart consumers take time to get comparison quotes at least once a year because insurance coverage prices are adjusted regularly by insurance companies. Even if you think you had the best deal on S-10 Blazer coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

How to compare insurance coverage quotes

Finding low cost 2002 Chevy S-10 Blazer insurance coverage quotes can be quick and easy. Consumers just need to take a few minutes comparing price quotes from online providers. It’s super easy and can be done by using one of the methods below.

  1. The best way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for every company. In just a few minutes this one form gets you price quotes from many national carriers.
  2. A slightly less efficient method to obtain and compare quotes online requires you to visit the website for each individual company and request a quote. For sake of this example, let’s assume you need rates from GEICO, State Farm and Progressive. To find out each rate you need to spend time on each company’s site to enter the same coverage data repeatedly, which can get rather old.

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

  3. The most difficult method to find cheaper rates is driving around to each insurance agency near you. Comparing online rate quotes eliminates the need for an insurance agent unless your situation requires the personal advice of an agent trained in personal lines coverage. Some companies do allow you to obtain prices from the web but have a local agent actually write the policy.

It’s up to you which method you use, but be certain you are entering equivalent coverage information for each comparison quote. If you have different coverage information then you won’t be able to determine the best price for your Chevy S-10 Blazer.

Insurance Discounts

Auto insurance companies don’t always advertise every available discount very well, so we break down both the well known as well as some of the hidden discounts that you may qualify for.

  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
  • Auto/Home Discount – If you can combine your home and auto policy and place coverage with the same company you may earn 10% to 20% off each policy.
  • Student in College – who live away from home at college and do not take a car to college can receive lower rates.
  • Data Collection Discounts – Insureds who allow driving data submission to study driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Driver Training Discounts – Successfully completing a course in safe driver could possibly earn you a 5% discount if you qualify.
  • E-sign – A few companies will give you a small discount for buying a policy and signing up on the internet.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.
  • Low Mileage Discounts – Driving fewer miles can qualify you for cheaper rates.

Drivers should understand that most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Auto insurance companies that may have these discounts possibly include:

If you are trying to find cheaper insurance coverage quotes, ask all the companies which discounts they offer. Some credits might not apply in your area. To see a list of insurance companies that offer some of these discounts, click here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover whether you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • What vehicles should carry emergency assistance coverage?
  • How much liability do I need to cover my assets?
  • How high should my medical payments coverage be?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I drive in Mexico and have coverage?
  • Is my Chevy S-10 Blazer covered if I use it for business?
  • If my pet gets injured in an accident are they covered?
  • Is pleasure use cheaper than using my 2002 Chevy S-10 Blazer to commute?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your S-10 Blazer resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage and hitting a deer. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

This will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, bail bonds, pain and suffering, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy S-10 Blazer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, prosthetic devices, surgery and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible