Lower Your 2002 Chevrolet S-10 Car Insurance Quotes

There isn’t anyone who is fond of buying car insurance, especially when they know they could get a better deal. Companies like GEICO and Progressive increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

If you are insured now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to know the proper way to compare rates on the web.

Decisions you make can impact your insurance premiums

An important part of buying insurance is that you know some of the elements that aid in calculating your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that may result in lower insurance prices.

  • Your employer is a factor – Do you have a high-stress occupation? Jobs such as military personnel, executives and stock brokers generally have higher rates than the rest of us in part from intense work-related stress and incredibly demanding work hours. On the other hand, careers like actors, historians and retirees pay the least on S-10 coverage.
  • Liability coverage limits on your policy – Liability coverage kicks in if ever you are responsible for physical damage or personal injury to other. Liability provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Premiums impacted by your city – Living in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. Urban drivers regularly have congested traffic and a longer drive to work. Higher commute times translates into higher accident risk.
  • Incidental coverages that aren’t used – Insurance companies have many extra coverages that you can get tricked into buying if you aren’t careful. Insurance for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so consider taking them off your policy.
  • Excellent credit scores equal low costs – Your credit score will be a significant factor in calculating your insurance rates. If your credit score is lower than you’d like, you could pay less to insure your 2002 Chevrolet S-10 by improving your credit score. People that have high credit scores tend to be less risk to insure than those with worse credit.

Finding insurance coverage

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the best way to get rate quotes. You could waste time talking to insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each participating company provides a quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To compare rates now click here to start a free quote.

The only downside to pricing coverage this way is buyers cannot specifically choose which companies you want to price. So if you prefer to pick specific providers to compare rates, we have a page of insurance coverage companies in your area. Click to view list.

Compare rates however you want, just be certain you are entering the exact same quote data with every price quote. If your comparisons have unequal deductibles or liability limits you will not be able to make an equal comparison.

Don’t overlook these auto insurance discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but occassionally some discounts must be specifically requested prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings up to 30%.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
  • Senior Citizens – Drivers that qualify as senior citizens may be able to get a discount up to 10% on S-10 coverage.
  • Data Collection Discounts – Insureds that choose to allow data collection to track driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on S-10 coverage depending on your company.
  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

You can save money using discounts, but some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic. But all discounts should help lower your policy premiums.

Some of the larger companies who may offer some of the above discounts include:

It’s a good idea to ask every insurance company to give you their best rates. Some discounts listed above may not apply to policyholders everywhere. If you would like to see a list of companies that offer the discounts shown above, click here.

When to get professional advice

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • How do I buy GAP insurance?
  • What happens if I owe more than my 2002 Chevy S-10 is worth?
  • Can my babysitter drive my car?
  • Is my teenager covered with friends in the car?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage options for a 2002 Chevy S-10

Having a good grasp of auto insurance aids in choosing which coverages you need 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. Shown next are the normal coverages found on the average auto insurance policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like EMT expenses, rehabilitation expenses, X-ray expenses, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Chevy S-10.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

This covers damage to your S-10 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, legal defense fees, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

The best insurance company isn’t always the cheapest

When searching for the cheapest auto insurance quotes, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Cost effective 2002 Chevy S-10 insurance can be found online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies may not provide rates over the internet and most of the time these smaller providers prefer to sell through independent insurance agencies.

More detailed insurance coverage information is located in these articles: