Save on 1990 Chevrolet S-10 Car Insurance Quotes

Are you burned out from trying to scrape together enough money to insure your Chevy every month? You are no different than most other consumers. There is such a variety of insurance companies to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare rates.

How to buy insurance coverage online

Getting a cheaper price on 1990 Chevy S-10 insurance is actually easier than you may think. Consumers just need to invest a few minutes comparing rates from online providers. This can be done by using one of the methods below.

  1. The most recommended method consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing repetitive form entry for every insurance coverage company. One simple form gets rate comparisons from multiple low-cost companies.
  2. A harder way to compare prices consists of visiting the website for each individual company and fill out their own quote form. For examples sake, let’s say you want to view quotes from State Farm, 21st Century and American Family. In order to compare rates, you need to spend time on each company’s site to input your insurance information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
  3. The most difficult way to comparison shop rate quotes is driving around to all the different insurance agencies. Doing it all online can eliminate the need for a local agent unless you want the professional assistance that only an agent can give. It is possible with some companies price shop your coverage online and still use a local agent.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples quote data on every price quote you get. If you have differing limits then you won’t be able to determine which company has the best rates.

Truth in auto insurance advertising

Consumers can’t get away from all the ads that promise big savings by 21st Century, Allstate and State Farm. All the ads advertise the message that you can save if you switch your policy.

How do they all cost less than your current company? Here is how they do it.

Auto insurance companies give the best rates for a prospective insured that earns them the highest profit. An example of a profitable insured may be between the ages of 30 and 45, owns their home, and drives a car with an anti-theft system. Anyone who matches those parameters receive the lowest rate quotes and will probably save money with a new company.

Potential insureds who are not a match for the requirements will probably have to pay higher premium rates with the end result being the customer not buying. The trick is to say “people who switch” not “everyone who quotes” save that much money. That’s the way companies can make it sound like they have such great premium rates.

Because every company is different, drivers must compare as many free insurance quotes as you can. You cannot predict which insurance companies will have the best car insurance rates for your profile.

Components of your Chevy S-10 insurance costs

When buying insurance coverage it’s important to understand the rating factors that come into play when calculating your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” utilized by car insurance companies to help set your rate level.

  • Lower premiums with uninterrupted coverage – Having an insurance coverage lapse is a quick way to bump up your insurance coverage costs. And not only will your rates increase, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Too many insurance coverage claims will drive insurance coverage rates up – Companies give most affordable rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Low coverage deductibles can be expensive – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of claims that would be covered could be a broken windshield, hail damage, and rolling your vehicle. The deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. The larger the amount the insured has to pay upfront, the less money you will pay for insurance coverage for S-10 insurance.
  • The more you drive the more you pay – Driving more miles every year the more you’ll pay to insure it. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that sit idle most of the time qualify for better rates than cars that get driven a lot. It’s always a good idea to double check that your insurance coverage declarations sheet shows the right rating data. Improper usage on your S-10 may be costing you higher rates.
  • Lower rates with alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.
  • Incidental coverages that may not be needed – Insurance policies have a lot of additional coverages that may not really be needed on your S-10 policy. Coverage for things like coverage for rental cars, accidental death, and term life insurance are examples of these. They may seem like a good idea at first, but your money might be better spent on other coverage so remove them from your policy.

Save a ton with these insurance discounts

Auto insurance companies do not list all their discounts very clearly, so the list below details both the well known and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Theft Prevention System – Vehicles with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Professional Organizations – Having an affiliation with a professional or civic organization could earn you a nice discount on your policy.
  • Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% off the medical payments premium.
  • Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their insurance quote for S-10 insurance as compared to drivers with claims.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted insurance rate on car insurance if you buy life insurance from them.
  • 55 and Retired – Mature drivers can get a small discount on rates for S-10 insurance.
  • Multi-Vehicle Discounts – Having multiple cars with the same insurance company can reduce rates for all insured vehicles.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
  • E-sign – Certain insurance companies will give a small break for buying your policy over the internet.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

A list of insurance companies and a partial list of their discounts are detailed below.

  • State Farm may offer discounts for passive restraint, multiple autos, driver’s education, student away at school, Steer Clear safe driver discount, anti-theft, and safe vehicle.
  • American Family may have discounts that include accident-free, good driver, early bird, defensive driver, mySafetyValet, and TimeAway discount.
  • Geico offers discounts for multi-vehicle, air bags, anti-lock brakes, defensive driver, and membership and employees.
  • 21st Century has savings for good student, student driver, automatic seat belts, teen driver, homeowners, theft prevention, and driver training.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, continuous coverage, multi-policy, multi-vehicle, and online signing.

If you need lower rates, check with each company which credits you are entitled to. Some of the discounts discussed earlier may not apply in your area. To find insurance companies that offer many of these discounts, click here to view.

Insurance coverage can get complicated

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • When do I need to add a new car to my policy?
  • Are split liability limits better than a combined single limit?
  • I don’t drive much so do I pay less?
  • If my pet gets injured in an accident are they covered?
  • Do I benefit by insuring my home with the same company?
  • Am I getting all the discounts available?
  • What is PIP insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Collision coverages – Collision insurance covers damage to your S-10 resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy S-10.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, dental work, hospital visits, X-ray expenses and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, rock chips in glass, damage from flooding and fire damage. The highest 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.

Liability coverages – This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

Some car insurance companies may not offer rates over the internet and usually these small, regional companies prefer to sell through independent agents. Lower-priced 1990 Chevy S-10 insurance can be bought from both online companies as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

Additional car insurance information can be found at the links below