Lower Your 1999 Chevrolet S-10 Insurance Rates

Nobody enjoys paying for insurance coverage, particularly when their premiums are through the roof. Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest cost out there.

If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the best rates is quite easy. Drivers only need to know the most effective way to shop for auto insurance online.

Comprehensive Auto Insurance Comparison Quotes

Finding lower auto insurance rates is surprisingly easy. Drivers just need to take time to compare quotes online from several insurance companies. This can be done in a couple of different ways.

  • Probably the best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form entry to each individual auto insurance company. Filling out one form gets rate comparisons from multiple companies.
  • A slightly less efficient method to obtain and compare quotes online is to manually visit the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll assume you want comparison quotes from Liberty Mutual, Allstate and Farmers. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using exactly the same coverages on every quote you get. If the quotes have higher or lower deductibles it will be next to impossible to make an equal comparison.

Factors influencing Chevy S-10 insurance rates

It’s important that you understand the different types of things that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get better car insurance rates.

Shown below are a partial list of the pieces that factor into your rates.

  • Men fork out a little more – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. They both cause accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.
  • Proper usage rating affects rates – Driving more miles in a year the higher your rates will be. Most companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your S-10 can cost quite a bit. Verify your car insurance coverage shows the proper vehicle usage.
  • Protect your assets with liability insurance – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • More claims means more premium – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance companies give lower rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Discounts mean cheaper Chevy S-10 insurance rates

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some trigger automatically when you purchase, but a few need to be specially asked for before you get the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on S-10 insurance depending on your company.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy can get a discount on all vehicles.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

To see a list of providers offering car insurance discounts, click here to view.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 1999 Chevy S-10?
  • Is other people’s property covered if stolen from my vehicle?
  • How does medical payments coverage work?
  • Is my teenager covered with friends in the car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Comprehensive coverage – Comprehensive insurance coverage covers 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 coverage protects against things like vandalism, hail damage and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, chiropractic care, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, attorney fees and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they 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.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

At the end of the day…

We just showed you many tips how you can get a better price on 1999 Chevy S-10 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price.

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