Lower Your 2000 Chevrolet S-10 Insurance Rates

Have you had enough of not being able to afford to buy car insurance? You are no different than many other drivers.

With so many insurance providers from which to choose, it can be challenging to choose the best company.

It’s a good habit to compare prices occasionally since insurance rates change quite often. If you had the best rates on S-10 insurance last year other companies may now be cheaper. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the best methods to find better rates and still maintain coverage.

The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. But car owners must understand how big insurance companies sell online and use this information to your advantage.

These factors can influence Chevy S-10 insurance rates

Smart consumers have a good feel for some of the elements that go into determining insurance rates. Knowing what impacts premium levels enables informed choices that can help you get lower insurance prices.

Listed below are a few of the “ingredients” insurance companies consider when setting your rates.

  • Multi-policy discounts can save money – The majority of companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.
  • Never go without insurance – Driving with no insurance is against the law and your next policy will cost more because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance may earn you a license revocation or jail time.
  • Better credit means lower rates – Credit history is a big factor in determining what you pay for insurance. So if your credit is not that good, you could save money insuring your 2000 Chevrolet S-10 by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores.
  • Small claims can cost you – Auto insurance companies provide lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for larger claims.
  • Pay less if you’re married – Having a spouse helps lower the price on your insurance policy. Having a significant other means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • Your stress level may be raising your rates – Jobs such as doctors, social workers and dentists are shown to have the highest average rates because of stressful work requirements and long work days. Other occupations such as scientists, historians and the unemployed pay the least on S-10 insurance.
  • Bad driving skills means higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records receive lower rates compared to drivers with tickets. Just one ticket may increase your cost forty percent or more. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

Save on Chevy S-10 insurance

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some may not be applied and must be specifically requested prior to receiving the credit.

  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on S-10 insurance than their less cautious counterparts.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with discounted rates on garaged vehicles.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of companies who offer auto insurance discounts, click here to view.

The car insurance bait and switch

State Farm, Allstate and Geico consistently run ads on TV and radio. All the companies make the same claim of big savings if you change to their company. How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any new insured who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential customers who don’t meet these standards will be charged higher premiums which usually ends up with business not being written. The ads say “customers that switch” not “everybody who quotes” save that much. This is how companies can truthfully make the claims of big savings.

That is why you should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings on Chevy S-10 insurance.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether you may require specific advice.

  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the ISO rating for a 2000 Chevy S-10?
  • Will my insurance pay for OEM parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • If my pet gets injured in an accident are they covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Collision insurance

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

Collision insurance covers things such as crashing into a ditch, hitting a parking meter, driving through your garage door, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, prosthetic devices, funeral costs, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This will cover damage that occurs to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, medical services, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Never pay more for less

In this article, we presented quite a bit of information on how to get a better price on 2000 Chevy S-10 insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even find the lowest rates come from some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

More detailed car insurance information is available at these sites: