How Much Does 1998 Chevrolet S-10 Car Insurance Cost?

Looking for better car insurance rates for your Chevrolet S-10? Purchasing low-cost car insurance can seem to be rather difficult for drivers that are relatively new to comparison shopping on the internet. With dozens of companies competing online, how are drivers expected to have a chance to compare every possible option in order to find the best available price?

Cheaper rates by taking advantage of discounts

Auto insurance is expensive, but discounts can save money and there are some available that you may not even know about. Many of these discounts will be applied automatically when you complete an application, but a few need to be specially asked for prior to getting the savings. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Memberships – Joining a professional or civic organization could qualify you for a break when getting a car insurance quote.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Multiple Policy Discount – If you combine your home and auto policies with the same insurance company you could earn a discount of up to 20% off your total premium.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for S-10 insurance than drivers with accident claims.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Telematics Devices – Policyholders that allow their auto insurance company to monitor driving patterns by installing a telematics device such as Progressive’s Snapshot may see discounts if their driving habits are good.
  • Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for new vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts could see savings of 20% or more.
  • Driver Safety – Taking time to complete a defensive driving course could earn you a small percentage discount if your company offers it.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class if it’s offered in school.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, it’s just not the way it works. Any amount of discount will positively reduce your overall bill.

To see insurers who offer auto insurance discounts, click this link.

Informed drivers know how to quote auto insurance cheaper

Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are more obscure such as your marital status or how financially stable you are.

Listed below are a few of the “ingredients” used by insurance companies to determine your prices.

  • Tickets and citations cost more than a fine – Being a careful driver impacts premiums far more than you think. Attentive drivers pay less for auto insurance than their less careful counterparts. Having a single moving violation may cause rates to rise to the point where it’s not affordable. Drivers who have received careless violations like DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
  • Drive less and get lower prices – Driving a lot of miles each year the higher your rate. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates compared to those used for work or business. An incorrectly rated S-10 can result in significantly higher rates. Double check that your declarations sheet is showing the correct usage.
  • Being married can save you money – Having a spouse may cut your premiums when buying auto insurance. Having a significant other may mean you are more mature and statistics show married drivers tend to file fewer claims.
  • Combine policies with the same company – Most auto insurance companies afford discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare rates to confirm you are receiving the best rates possible.

How much insurance coverage do I need?

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help highlight whether or not you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • I have a DUI can I still get coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find high-risk insurance?
  • Do I need replacement cost coverage on my 1998 Chevy S-10?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as X-ray expenses, doctor visits, nursing services, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability coverage – This coverage will cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, vandalism, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Pennies from heaven

Insureds who switch companies do it for many reasons like high rates after DUI convictions, poor customer service, policy cancellation and even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

As you quote car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the best cost while not skimping on critical coverages.

In this article, we covered many ideas to lower your 1998 Chevy S-10 insurance auto insurance rates. The key concept to understand is the more you quote car insurance, the better likelihood of getting the cheapest car insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies.

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