1999 Chevrolet S-10 Car Insurance Quotes – 6 Policy Discounts

Searching for better insurance coverage rates for your Chevrolet S-10? Locating better insurance prices for a Chevy S-10 can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to get price quotes for a new or used Chevy and get the best price possible from both online companies and local agents.

Smart consumers take time to shop coverage around yearly because insurance coverage rates are usually higher with each renewal. If you had the best deal on S-10 coverage at your last renewal there may be better deals available now. You can find a lot of wrong information about insurance coverage out there, but in this article, you’re going to get some great ideas on how to find cheap insurance coverage.

Shop auto insurance online

Reducing your 1999 Chevy S-10 insurance rates is actually quite simple. You just have to spend a few minutes to get quotes online with multiple companies. Price comparisons can be done in just a few minutes using one of these methods.

  • The single most time-saving way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form keeps you from doing boring form submissions for each company you want a rate for. One form gets you coverage quotes instantly. It’s the fastest way to compare.
  • Another way to find better pricing requires you to visit the website for each individual company and get a separate price quote. For instance, we’ll assume you want rates from Nationwide, GEICO and Liberty Mutual. In order to compare rates, you need to go to every website and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  • The most difficult method to compare rates is physically going to all the different insurance agencies. Shopping for auto insurance online eliminates the middleman unless you have a need for the personal advice that only a licensed agent can provide. Some companies do allow you to find lower rates online but buy the policy through an agent.

However you get your quotes, do your best to enter identical deductibles and coverage limits on every price quote you get. If you compare different coverage information you can’t possibly determine which rate is truly the best.

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Drivers can save with these six discounts

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts that can help lower your rates. Most are applied when you complete an application, but some discounts are required to be asked about in order for you to get them.

  • Include Life Insurance and Save – Larger companies have a discounted price on car insurance if you buy some life insurance too.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Distant College Student Discount – College-age children who are attending college and don’t have a car may qualify for this discount.
  • Drive Less and Save – Maintaining low annual mileage could qualify for lower rates due to less chance of an accident.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.

Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help lower your policy premiums.

A list of companies and their offered discounts can be found below.

  • GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, multi-policy, air bags, military active duty, and good student.
  • Travelers has savings for save driver, continuous insurance, IntelliDrive, good student, and multi-policy.
  • Nationwide has discounts for family plan, easy pay, business or organization, multi-policy, good student, and defensive driving.
  • Farmers Insurance offers premium reductions for switch companies, homeowner, mature driver, youthful driver, distant student, and electronic funds transfer.
  • Esurance may offer discounts for emergency road assistance, paid-in-full, Pac-12 alumni, Switch & Save, and claim free.
  • State Farm includes discounts for Drive Safe & Save, anti-theft, driver’s education, accident-free, and multiple policy.
  • Progressive offers discounts for online signing, good student, multi-policy, multi-vehicle, online quote discount, and homeowner.
  • Mercury Insurance discounts include accident-free, type of vehicle, anti-theft, age of vehicle, good student, and multi-car.

When quoting, ask each company or agent to apply every possible discount. Discounts may not be offered everywhere. To choose insurance companies that offer discounts, click this link.

Special considerations

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Who is covered by my policy?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I break a side mirror?
  • Is my 1999 Chevy S-10 covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my car?
  • Is my cargo covered for damage or theft?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a Chevy S-10

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your 1999 Chevy S-10.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision – Collision insurance covers damage to your S-10 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, colliding with a tree, crashing into a ditch, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as prosthetic devices, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, repair bills for other people’s vehicles, medical services and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

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