2000 Chevrolet S-10 Car Insurance Cost

Trying to find lower auto insurance rates for your Chevrolet S-10? When looking for cheaper insurance, are you intimidated by the number of auto insurance choices available to you? You have so many options that it can really be a difficult situation to find a more affordable company.

Finding the best rates is not rocket science. Just about every driver who has to buy insurance coverage will be able to lower their premiums. But vehicle owners can benefit by having an understanding of the way companies price insurance differently because it can help you find the best coverage.

The most recommended method to compare rate quotes utilizes the fact most larger insurance companies will pay a fee to give rate comparisons. All you need to do is give them rating details like level of coverage desired, whether you have decent credit, whether or not you need a SR-22, and if you went to college. Those rating factors is then sent to many different companies and you will get price comparisons very quickly.

To check car insurance prices now, click here and see if a lower rate is available.

When to get professional advice

When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount?
  • Do I need roadside assistance coverage?
  • Am I covered if my car is in a flood?
  • Does insurance cover tools stolen from my truck?
  • Who is covered when they drive my 2000 Chevy S-10?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, hospital visits, X-ray expenses, nursing services and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays for damage to your S-10 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, backing into a parked car, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.