Lower Your 1996 Chevrolet S-10 Insurance Quotes

Want cheaper insurance rates for your Chevrolet S-10? No normal person looks forward to paying for insurance, particularly when the cost is too high. Due to the fact that there are so many choices, it can be impossible to pick a more affordable insurance company.

It’s a good idea to quote other rates occasionally because rates go up and down regularly. Just because you had the lowest rate on S-10 coverage six months ago you can probably find a better price now. You can search a lot of insurance online but in a few minutes you can learn some of the best techniques to buy insurance cheaper.

Buying the cheapest auto insurance coverage is easy if you know what you’re doing. If you have a current auto insurance policy or are looking for a new policy, you can learn to find the best rates while maximizing coverage. Consumers just need to learn the best way to compare rates on the web.

Educated choices result in lower insurance premiums

Consumers need to have an understanding of some of the factors that aid in calculating the price you pay for insurance. When consumers understand what determines base rates, this enables you to make decisions that could help you find cheaper rates.

  • Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Attentive drivers have lower premiums as compared to careless drivers. Even one driving citation may cause rates to rise substantially. Drivers with severe citations like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Teenage vs. experienced drivers – Older people are viewed as being more responsible, cost insurance companies less in claims .Young drivers tend to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher.
  • Drive a safer car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and thus lower rates.
  • Raise your deductibles for better rates – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of covered claims are a dented fender, flood damage, or theft. Comp and collision deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The more money the insured is willing to pay, the lower your rates will be on S-10 coverage.
  • Continuous coverage saves money – Not maintaining insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will rates go up, getting caught without coverage can result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Annual miles is a factor – Driving a lot of miles in a year the more you’ll pay to insure it. Most companies calculate prices based on their usage. Vehicles that do not get driven very much cost less to insure than those that get driven frequently. Having the wrong rating on your S-10 may be costing you. It’s a smart idea to ensure your policy is showing the proper vehicle usage, because it can save money.
  • Deter car thieves – Selecting a car model with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.

Discounts for affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but there could be significant discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you complete an application, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Bundled Policy Discount – If you have multiple policies with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Telematics Discount – Drivers that enable their auto insurance company to monitor vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
  • Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home is proof of financial responsibility.
  • Professional Memberships – Being in qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • Defensive Driver Discounts – Completing a class that teaches defensive driver techniques could save 5% or more and easily recoup the cost of the course.
  • Responsible Driver Discount – Drivers without accidents can save as much as half off their rates on S-10 coverage as compared to drivers with claims.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Discount for Life Insurance – Some insurance carriers give a lower premium rate if you buy life insurance from them.
  • Senior Discount – Older drivers can get lower premium rates on S-10 coverage.

As a sidenote, some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

Some companies that may have some of the discounts shown above include:

If you want cheap car insurance quotes, ask every company how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Car insurance myths debunked

Consumers get pounded daily by advertisements that promise big savings for switching from companies such as State Farm and Allstate. They all make the point that drivers can save some big amount if you just switch your policy.

How is it possible that every company can charge you less for auto insurance? Here is the trick they use.

Insurance providers have an ideal profile for the type of driver that is profitable for them. For example, a preferred risk may need to be between 25 and 40, has never had a claim, and drives newer vehicles. Any customer who matches that profile gets the lowest rates and therefore will save if they switch.

Potential customers who fall short of this ideal profile must pay higher prices and this results in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save the amount stated. That is how insurance companies can make those claims.

This emphasizes why it’s extremely important to get car insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will provide you with the cheapest prices.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Where can I get insurance after a DUI in my state?
  • Do I have newly-aquired coverage?
  • Why is insurance for a teen driver so high?
  • What is the difference between comprehensive and collision coverage?
  • Can I rent a car in Mexico?
  • What is the ISO rating for a 1996 Chevy S-10?
  • Is my teen driver covered when they drive my company car?
  • When would I need additional glass coverage?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Learn about insurance coverages for a Chevy S-10

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy S-10.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, emergency aid, funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like hospital visits, chiropractic care, rehabilitation expenses, prosthetic devices and pain medications. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Saving money makes a lot of cents

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Cheaper 1996 Chevy S-10 insurance is attainable from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some car insurance companies may not offer online price quotes and many times these small insurance companies work with local independent agencies.

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