1992 Chevrolet S-10 Insurance Quotes – 9 Tips to Save

Nobody that owns a car fancies paying their premiums for car insurance, in particular when they could find better rates elsewhere. Due to the large number of car insurance companies to choose from, it can be impossible to pick a lower cost insurance company.

Locating more affordable coverage can be fairly easy. If you have insurance now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Drivers just need to know the best way to get comparison rates on the web.

Save a ton with these nine discounts

Companies do not advertise every disount available in an easy-to-find place, so we break down a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • Online Discount – A handful of insurance companies will discount your bill up to fifty bucks for signing up on the web.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower rates if you buy auto and life insurance together.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Cautious Driver Discounts – Safe drivers could pay up to 40% less on S-10 insurance than less cautious drivers.
  • Resident Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on your bill.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

Popular insurance coverage companies and their possible discounts can be read below.

  • Esurance may have discounts that include defensive driver, online shopper, renters, claim free, homeowner, emergency road assistance, and anti-lock brakes.
  • The Hartford may include discounts for bundle, driver training, vehicle fuel type, anti-theft, and air bag.
  • AAA offers discounts including good driver, education and occupation, AAA membership discount, good student, multi-car, and anti-theft.
  • GEICO policyholders can earn discounts including air bags, anti-theft, emergency military deployment, good student, defensive driver, and driver training.
  • State Farm offers premium reductions for accident-free, good student, anti-theft, Steer Clear safe driver discount, good driver, passive restraint, and defensive driving training.

Before you buy a policy, ask each company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area. To choose insurance coverage companies that offer the discounts shown above, follow this link.

Insurance can be complex

When buying the best insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • Am I covered when driving a rental car?
  • Why is insurance for a teen driver so high?
  • Should I put collision coverage on all my vehicles?
  • Should I buy additional glass protection?
  • Do I need an umbrella policy?
  • When should I drop full coverage on my 1992 Chevy S-10?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all seem to state the claim about savings just by moving your car insurance policy to them.

How does each company say the same thing? It’s all in the wording.

Insurance providers have specific guidelines for the type of driver that earns them the most money. For instance, a profitable risk profile could possibly be between 25 and 40, insures multiple vehicles, and has a short commute. A driver who matches those parameters will probably get the lowest rates as well as save when they switch companies.

Potential customers who are not a match for these stringent criteria will get higher rates which translates to the customer not purchasing. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save that much when switching. This is how companies can make those claims.

Because of these techniques, drivers should get a wide range of price quotes. You cannot predict the company that will have better rates than you’re paying now.

Auto insurance policy specifics

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, EMT expenses, chiropractic care, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays for damage to your S-10 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy S-10.

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. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, bail bonds, pain and suffering and court costs. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from flooding, vandalism, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

As you prepare to switch companies, never buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to regret that it was a big mistake. The aim is to purchase plenty of coverage for the lowest cost while still protecting your assets.

More affordable insurance coverage can be found on the web in addition to many insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer price quotes online and usually these regional carriers provide coverage only through local independent agents.

We covered many tips how you can lower your 1992 Chevy S-10 insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with an unexpected company. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate and Progressive.

Additional insurance coverage information can be read below: