How Much Does 1997 Chevrolet S-10 Insurance Cost?

Want the cheapest auto insurance rates for your Chevrolet S-10? Trying to find the cheapest insurance for a new or used Chevy S-10 can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare auto insurance rates and you need to know the proper way to price shop coverage for a new or used Chevy and locate the lowest possible price from both online companies and local agents.

You need to do price comparisons at least once a year because insurance prices are variable and change quite frequently. Even if you got the best price on S-10 coverage six months ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to find better coverage at a better price.

Do you qualify for discounts?

Companies don’t always advertise every policy discount very clearly, so we took the time to find some of the best known as well as the least known credits available to you.

  • Onboard Data Collection – People who choose to allow their insurance coverage company to track where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Multiple Vehicles – Having several vehicles on one policy may reduce the rate for each vehicle.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may get savings as much as 30%.
  • Life Insurance Discount – Not all insurance coverage companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Homeowners Savings – Just owning your own home can save you money since home ownership shows financial diligence.
  • Accident-Free Discounts – Good drivers with no accidents pay less when compared to insureds who have frequent claims or accidents.
  • E-sign Discounts – A few larger online companies provide a small discount simply for signing digitally online.
  • Driver Safety – Successfully completing a course in defensive driver could save 5% or more and easily pay for the cost of the class.
  • Discounts for Responsible Drivers – Accident-free drivers could pay up to 40% less on S-10 coverage than their less cautious counterparts.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

For a list of companies who offer online insurance coverage quotes, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • What if I owe more than I can insure my car for?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I drive in a foreign country?
  • Does my 1997 Chevy S-10 qualify for pleasure use?
  • Am I covered by my spouse’s policy after a separation?
  • Should I buy full coverage?
  • How high should deductibles be on a 1997 Chevy S-10?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, hospital visits, X-ray expenses, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, rock chips in glass and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage pays for damage to your S-10 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability coverage can cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Have money to burn

We just presented some good ideas how to save on 1997 Chevy S-10 insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding the cheapest insurance. You may even find the lowest car insurance rates are with the smaller companies.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford.

A few companies do not offer the ability to get a quote online smaller providers sell through independent insurance agents. Cheaper 1997 Chevy S-10 insurance is definitely available on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates.

Much more information about insurance coverage can be found on the following sites: