View 2002 Chevrolet Blazer Car Insurance Quotes

Want cheaper car insurance rates? Drivers have a choice when trying to find the lowest priced Chevy Blazer insurance. They can either waste time struggling with agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to quote coverages for a new or used Chevy and find the best price possible.

Consumers should take time to price shop coverage on a regular basis because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates on Blazer coverage last year you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the right way to reduce your cost while improving coverage.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you should be able to save some money using these techniques. Drivers only need to know how to get comparison rates online.

Factors that can influence Chevy Blazer insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.

The list below includes a partial list of the pieces insurance coverage companies consider when setting your rates.

  • Your location affects your rates – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. City drivers have more traffic problems and a longer drive to work. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Your stress level may be raising your rates – Jobs such as lawyers, social workers and accountants tend to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, occupations such as actors, athletes and the unemployed receive lower rates on Blazer coverage.
  • Younger drivers pay higher rates – Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers. Young drivers are known to get distracted easily in a vehicle and because of this, their insurance coverage rates are much higher.
  • Never let your coverage lapse – Letting your insurance expire will be a quick way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Pay less if you’re married – Being married helps lower the price on your insurance coverage policy. Marriage is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Rate your vehicle for proper use – The more miles you rack up on your Chevy in a year the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your insurance coverage policy is showing how each vehicle is driven. If your policy improperly rates your Blazer may be costing you.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • E-sign – A handful of insurance companies give back up to $50 just for signing your application digitally online.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Accident Waiver – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Blazer coverage with a few auto insurance companies.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may offer these benefits are:

Before buying, ask each insurance company what discounts are available to you. Discounts may not be available everywhere.

Insurance agents can help

When choosing 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 might help in determining if you will benefit from professional help.

  • What is medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 2002 Chevy Blazer covered for flood damage?
  • Will my insurance pay for OEM parts?
  • Can I make deliveries for my home business?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Coverages available on your policy

Having a good grasp of your auto insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Blazer.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.


Liability coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, legal defense fees, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, falling objects, a tree branch falling on your vehicle and hitting a deer. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, X-ray expenses, dental work, prosthetic devices and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your Blazer from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Take this to the bank

We’ve covered some good ideas how to shop for 2002 Chevy Blazer insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the most savings is with an unexpected company.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford.

Affordable insurance is definitely available on the web as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer online quoting and these regional insurance providers work with independent agents.

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