1991 Chevrolet S-10 Car Insurance Cost – 9 Discounts for Best Prices

Trying to find cheaper car insurance rates? Buyers have a choice when searching for low-cost Chevy S-10 insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to make rate comparisons.

There is a better way to buy car insurance so we’re going to tell you the best way to quote coverages for a new or used Chevy and find the lowest price from local insurance agents and online providers.

It’s smart to take a look at other company’s rates occasionally since insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates for S-10 insurance six months ago you can probably find a lower rate today. There are a lot of ways to save on car insurance on the internet, but you can learn the easiest ways to find cheap car insurance.

The purpose of this post is to instruct you on how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Vehicle owners just need to know the best way to find the lowest price on the web.

You may qualify for discounts

Auto insurance companies do not list every disount available in an easy-to-find place, so the list below details both well-publicized and the more hidden car insurance savings.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
  • Defensive Driver Discounts – Taking part in a class that teaches driver safety techniques may get you a small discount if you qualify.
  • Accident Waiver – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm permit an accident without raising rates if you have no claims for a particular time prior to the accident.
  • Discounts for Multiple Vehicles – Buying coverage for all your vehicles on one policy can get a discount for every vehicle.
  • Distant College Student Discount – who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Anti-theft System – Cars optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive lower premium rates for S-10 insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the insurance companies that may offer policyholders these money-saving discounts possibly include:

When comparing rates, check with each insurance company to apply every possible discount. A few discounts may not be available in your area. To find insurance companies who offer car insurance discounts, click this link.

There’s no such thing as the perfect auto insurance policy

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Does car insurance cover theft of personal property?
  • Are rental cars covered under my policy?
  • Is my nanny covered when driving my vehicle?
  • If my pet gets injured in an accident are they covered?
  • What vehicles should carry emergency assistance coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is a fancy paint job covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all make the same claim about how much you will save just by switching your car insurance coverage to their company.

How do they all claim to save you money? It’s all in the numbers.

Many companies have strict underwriting profiles for the type of driver they prefer to insure. One example of a preferred risk should be over the age of 50, owns their home, and drives newer vehicles. Any customer who meets those qualifications will most likely get cheap rates and have a good chance to save quite a bit of money when switching.

Insureds who do not meet those criteria may be forced to pay a more expensive rate with the end result being the customer buying from a different company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can truthfully make those claims.

Because every company is different, you should compare free insurance quotes often. It’s just too difficult to predict which car insurance company will have the lowest rates for your situation.

Car insurance coverages for a 1991 Chevy S-10

Understanding the coverages of auto insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your S-10 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, scraping a guard rail, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles, legal defense fees, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses such as dental work, EMT expenses, funeral costs, chiropractic care and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy S-10.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, hail damage, hitting a bird, damage from flooding and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a penny pincher

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Cheap 1991 Chevy S-10 insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online rate quotes and most of the time these small, regional companies prefer to sell through independent agents.

You just learned quite a bit of information on how to get a better price on 1991 Chevy S-10 insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper insurance. You may be surprised to find that the most savings is with a lesser-known regional company.

More detailed insurance coverage information is available in the articles below: