How Much Does 1993 Chevrolet S-10 Insurance Cost?

Want lower car insurance rates for your Chevrolet S-10? Are you regretting buying overpriced car insurance? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like State Farm, Allstate, Geico and Progressive continually bombard you with ad campaigns and it can be hard to separate fact from fiction and do the work needed to find the best deal.

You need to compare rates once or twice a year because car insurance prices trend upward over time. If you had the best deal for S-10 coverage last year there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out one of the quickest ways to properly buy coverages while reducing your premium.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. Finding affordable coverage is not rocket science. Vehicle owners just need to understand the proper way to find the lowest price online.

Shop auto insurance online

Effectively comparing auto insurance prices can take hours if you don’t know the easiest way. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many of the larger companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company can give them a price based on that data. This saves time by eliminating repetitive form submissions to each company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose the companies to get quotes from. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever way you use, try to keep nearly identical information on every quote you get. If the quotes have different limits and deductibles on each one you will not be able to find the best deal for your Chevy S-10.

Take advantage of these money-saving discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Some of these disounts will be visible at quote time, but some discounts are required to be manually applied before you get the savings. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

Safety Restraint Discount – Requiring all passengers to buckle up can save up to 15% off the medical payments premium.
Own a Home – Owning a home may earn you a small savings because maintaining a house is proof of financial responsibility.
Telematics Discount – Insureds who allow their company to study driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less for S-10 coverage than drivers with accidents.
Military Rewards – Being on active duty in the military may lower your premium rates slightly.
Discount for Multiple Policies – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of car insurance companies that offer many of these discounts, click this link.

Do I need special coverages?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you will benefit from professional help.

When should I buy a commercial auto policy?
At what point should I drop full coverage?
Does my policy pay for OEM or aftermarket parts?
Exactly who is provided coverage by my policy?
Am I covered when driving on a suspended license?
Is my nanny covered when driving my vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1993 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. Usually these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, EMT expenses and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, damage from getting keyed, falling objects, vandalism and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your S-10 caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.