Lower Your 2003 Chevrolet S-10 Car Insurance Rates

Searching for lower auto insurance rates for your Chevrolet S-10? When searching for more affordable insurance, are you overwhelmed by the number of auto insurance choices? There are so many choices to choose from that it can turn into a real challenge to find the perfect company for you.

How to get low cost car insurance

The are a couple different ways of comparing rate quotes from all the different companies. The quickest method to find competitive Chevy S-10 insurance rates involves getting comparison quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. One of the fastest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do multiple quote forms for each company you want a rate for. Filling out one form will return price quotes from many national carriers.It’s the quickest way to get rates.
2. A different way to compare rate quotes requires a trip to each individual company website and go through the quote process again. For instance, let’s assume you want to compare prices for Liberty Mutual, Esurance and Geico. To find out each rate you need to navigate to each company’s site and enter your policy data, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

3. The most time-consuming way to get comparison rates is driving to different agent offices. Comparing rate quotes online eliminates the middleman unless you require the personal advice of a local agency. It is possible to get the lowest quotes online but still have the advice of a local agent.

Take whichever approach you prefer, but do your best to use the exact same information for every company. If you enter higher or lower deductibles you can’t possibly get a fair rate comparison. Even a minor difference in insurance coverages or limits could throw off the whole comparison. It’s important to know that more quotes increases the change that you will find a lower rate than you’re paying now. Not every company provides price estimates online, so it’s important to compare price estimates from them, too.

Drivers can save with these money-saving discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked about before being credited.

• Safe Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on S-10 insurance than drivers with accident claims.
• New Car Discount – Buying a new car model can cost up to 25% less since newer vehicles have better safety ratings.
• Early Renewal Discounts – Some companies provide a discount for signing up before your current policy expires. You may see this discount when you get auto insurance quotes online.
• Professional Organizations – Being a member of qualifying employment or professional organizations could qualify you for a break on your next renewal.
• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
• Theft Prevention System – Cars optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
• Student in College – Any of your kids who live away from home at college and do not have a car may qualify for this discount.
• E-sign Discounts – A few larger online companies may give you up to $50 for buying your policy over the internet.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger insurance coverage companies and their offered discounts include:

• Travelers offers premium reductions for good student, new car, home ownership, hybrid/electric vehicle, multi-car, driver training, and multi-policy.
• 21st Century may offer discounts for teen driver, 55 and older, automatic seat belts, air bags, and theft prevention.
• State Farm has savings for multiple autos, good student, driver’s education, accident-free, passive restraint, and student away at school.
• Geico has discounts for anti-theft, military active duty, federal employee, seat belt use, air bags, five-year accident-free, and multi-policy.
• SAFECO policyholders can earn discounts including multi-car, safe driver, bundle discounts, teen safety rewards, anti-theft, and anti-lock brakes.
• AAA may include discounts for AAA membership discount, anti-theft, good driver, good student, multi-policy, and education and occupation.

Before buying, ask all companies you are considering what discounts are available to you. Some credits might not be offered on policies in your area. To see insurance coverage companies who offer insurance coverage discounts, click this link.

Do I need special coverages?

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you might need an agent’s assistance.

• Can I drive in Mexico and have coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Should I put collision coverage on all my vehicles?
• Do I have coverage when using my vehicle for my home business?
• Is a blown tire covered by insurance?
• Do I need roadside assistance coverage?
• Should I carry comprehensive and collision coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance policy coverages for a Chevy S-10

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This protects you from damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s 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.

Liability can pay for things like loss of income, medical expenses, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage, vandalism and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy S-10.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, nursing services, hospital visits, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage