How Much Does 1998 Chevrolet S-10 Insurance Cost?

Trying to find the cheapest insurance coverage rates for your Chevrolet S-10? Are you tired of paying out the nose to pay your insurance coverage bill each month? You’re in the same situation as many other consumers.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurer to find the absolute best rate

You should make it a habit to price shop coverage on a regular basis because prices trend upward over time. Just because you had the best deal for S-10 insurance a few years ago you may be paying too much now. There is a lot of bad advice regarding insurance coverage on the internet, but in a few minutes you can learn the best ways to slash your insurance coverage rates.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. But consumers need to have an understanding of the way companies sell online because it can help you find the best coverage.

The Chevy S-10 insurance price equation

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, but others are less obvious like your vehicle usage or your vehicle rating.

  • Policy add-ons add up – Insurance companies have many extra add-on coverages that you can get tricked into buying on your 1998 S-10 policy. Things like vanishing deductibles, death and dismemberment, and term life insurance could be just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Traffic violations are costly – Whether or not you get tickets influences premium rates substantially. Even a single ticket may cause rates to rise by as much as thirty percent. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Drivers unfortunate enough to have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Does your employer cost you more? – Did you know your career choice can influence rates? Occupations like military personnel, business owners and financial analysts are shown to have the highest average rates due to stressful work requirements and long work days. Other careers like professors, students and retirees pay lower than average rates for S-10 insurance.
  • Gender impacts costs – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Females and males are responsible for at-fault accidents in similar percentages, but the males have costlier accidents. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI). Young males are the most expensive to insure and therefore pay the highest rates.
  • Five star IIHS safety rating saves money – Cars with high safety ratings cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If the Chevy S-10 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Companies want multiple policies – Many insurers will give lower prices to clients who carry more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, you still need to check prices from other companies to help guarantee you have the best rates.
  • Stay claim-free and reduce insurance rates – Companies provide the best rates to insureds who are claim-free. If you frequently file small claims, you can expect higher rates. Auto insurance is designed for more catestrophic claims.

Buy auto insurance online

Comparing auto insurance rates can be challenging if you don’t utilize the best way to get rate quotes. You can spend countless hours driving to local insurance agents in your area, or you could use online quoting to get the quickest rates.

All the larger companies participate in an industry program that enables customers to enter their policy data once, and each participating company then gives them pricing. This eliminates the need for form submissions to every company. To use this form to compare rates click here to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which insurance companies to receive prices from. If you prefer to choose individual companies to compare rates, we have a page of low cost auto insurance companies in your area. Click here to view list.

The method you choose is up to you, but double check that you are using nearly identical coverage limits with each company. If you have unequal deductibles or liability limits you will not be able to determine which company has the best rates. Slightly different limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes helps improve the odds of finding the best price.

Insurance Coverage Discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to cut the cost considerably. Certain reductions will be credited when you get a quote, but some must be asked about before you will receive the discount. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Claim Free – Insureds with no claims or accidents pay much less when compared with accident-prone drivers.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for S-10 insurance.
  • Resident Student – Any of your kids who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Memberships – Being in qualifying clubs or civic groups can get you a small discount on your bill.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down the premium cost.

Some of the larger companies that possibly offer these discounts include:

Before purchasing a policy, check with all the companies which discounts can lower your rates. Savings might not apply everywhere. If you would like to view insurance companies offering insurance coverage discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • What is the difference between comprehensive and collision coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my Chevy S-10 covered if I use it for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I get high-risk coverage after a DUI?
  • If I drive on a suspended license am I covered?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy S-10.

Because many people only purchase the least amount of liability that is required, 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.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like hospital visits, X-ray expenses, surgery, dental work and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, repair costs for stationary objects, bail bonds, loss of income and funeral expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your S-10 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Quote more. Save more.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The goal is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

We just showed you a lot of techniques to shop for 1998 Chevy S-10 insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the best prices are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Additional information is available at the links below