How Much Does 2002 Chevrolet Blazer Insurance Cost?

Trying to find cheaper insurance for a Chevy Blazer could be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to quote coverages for a Chevy and get the lowest possible price from both online companies and local agents.

If you are insured now or need new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Finding the cheapest insurance coverage is simple if you know the tricks. Consumers only need an understanding of the proper way to find the lowest price online.

The easiest way to compare car insurance company rates is to know the trick most of the bigger providers pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including whether the vehicles are used for commuting, the type of vehicles you drive, if a SR-22 is required, and if you are currently licensed. Your rating data gets sent immediately to all major companies and they respond with quotes instantly.

Don’t overlook these discounts

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both well-publicized and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit available, you are paying more than you should be.

  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates on insurance coverage on Blazer insurance.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Blazer insurance than drivers with accidents.
  • Student in College – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Insurance companies that may have these money-saving discounts are:

Check with every prospective company which discounts you may be entitled to. Some discounts may not apply in every state.

Why your Chevy Blazer insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Lower miles equals lower premium – The more you drive every year the higher your rate. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Blazer can cost quite a bit.
  • Marriage brings a discount – Having a spouse can actually save you money on auto insurance. It means you’re more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Do you qualify for a multi-policy discount? – Some auto insurance companies give discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money.
  • Never let your coverage lapse – Allowing your coverage to lapse is a quick way to bump up your auto insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Older drivers pay less – Teen drivers have a tendency to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I buy a commercial auto policy?
  • How many claims can I have before being cancelled?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage if my license is suspended?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Save $473 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you change to them.

How does each company make almost identical claims?

Insurance companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements will be quoted higher premiums which usually ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can make those claims. This emphasizes why it’s extremely important to quote coverage with many companies. You cannot predict which company will have the lowest Chevy Blazer insurance rates.

Learn about auto insurance coverages for a 2002 Chevy Blazer

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like legal defense fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy 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 is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a broken windshield, hitting a deer, damage from getting keyed and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Final thoughts

Lower-priced 2002 Chevy Blazer insurance can be sourced on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate.

People switch companies for many reasons like high prices, high rates after DUI convictions, an unsatisfactory settlement offer and even being labeled a high risk driver. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

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