Lower Your 1998 Chevrolet S-10 Car Insurance Quotes

Looking for lower car insurance rates? Shoppers have many options when shopping for the lowest priced Chevy S-10 insurance. They can either waste time calling around trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and we’ll show you the proper way to compare rates for a new or used Chevy and obtain the best price possible from both online companies and local agents.

It’s a good idea to do rate comparisons periodically because rates tend to go up over time. Even if you got the lowest rates on S-10 insurance on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

The purpose of this post is to let you in on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Vehicle owners just need to know the most efficient way to get comparison quotes on the web.

Compare the Market for Insurance

Most major insurance companies give coverage price quotes on the web. Getting quotes doesn’t take a lot of time as you just type in your coverage information as detailed in the form. Upon sending the form, the company’s rating system collects credit information and your driving record and generates a price based on these factors.

This makes comparing rates easy, but the process of having to visit different websites and fill out multiple forms can get tiresome after awhile. But it’s very important to perform this step in order to get the best price on insurance.

An easier way to compare rates uses one simple form to return rates from several companies at one time. This type of form saves time, eliminates form submissions, and makes rate comparisons much more efficient. As soon as you send your information, it is quoted and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and you’ll know if lower rates are available.

In order to compare pricing, simply click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the insurance coverages as close as possible to your current policy. Doing this guarantees you’re receiving a price comparison for exact coverage.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but a few need to be manually applied prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with a substantially lower rate.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on S-10 insurance.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce the cost of coverage.

Insurance companies that may offer these benefits include:

Check with each company how you can save money. Discounts might not apply in your state.

Don’t assume everyone needs the same coverage

When it comes to buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is medical payments coverage?
  • Is there coverage for injuries to my pets?
  • What is covered by UM/UIM coverage?
  • If I drive on a suspended license am I covered?
  • How do I file an SR-22 for a DUI in my state?
  • How does medical payments coverage work?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Parts of the Chevy S-10 rate equation

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Understanding what influences your rates enables informed choices that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. The higher the amount you’re willing to pay, the bigger discount you will receive on S-10 insurance.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Drive less and save money – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance policy shows the correct driver usage, because it can save money. Incorrect usage on your S-10 may be wasting your money.
  • Do you know you’re credit rating? – Credit history is a large factor in calculating your auto insurance rates. Therefore, if your credit is not that good, you could be paying less to insure your 1998 Chevrolet S-10 by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Protect your assets with liability insurance – Your policy’s liability coverage will protect you if ever a jury decides you are liable for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings by companies like Geico, State Farm and Progressive. All the ads say the same thing that you’ll save big if you move to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the driver that is profitable for them. A good example of a profitable customer could be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for the “perfect” profile must pay higher rates which usually ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much. That’s the way insurance companies can claim big savings.

This illustrates why it is so important to compare many company’s rates. You cannot predict which insurance companies will have the lowest Chevy S-10 insurance rates.

Coverage specifics

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, damage from getting keyed and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, medical expenses and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your S-10 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy S-10.

Due to the fact that many drivers carry very low liability coverage limits, 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. Usually these limits do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like nursing services, funeral costs, rehabilitation expenses, hospital visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Best coverage at the best price

You just learned many ways to compare 1998 Chevy S-10 insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small local company.

Lower-priced insurance is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, being labeled a high risk driver or denial of a claim. It doesn’t matter what your reason, switching companies is not as hard as you think.

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