1999 Chevrolet S-10 Insurance Quotes – 9 Tricks for Best Rates

I can’t think of anyone who enjoys paying for car insurance, especially knowing their premiums are too high. Insurance companies such as Geico, 21st Century and Progressive promote their brand names with catchy ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates at least once a year since rates change regularly. Just because you found the best deal on S-10 insurance on your last policy a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.

If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of the proper way to shop online.

Save money by taking advantage of these nine discounts

Companies offering auto insurance do not list every discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Homeowners Savings – Owning a home can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better auto insurance rates on S-10 insurance.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up digitally online.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers with discount auto insurance rates, follow this link.

Insurance Comparisons

Most companies quote coverage price quotes online. The process is quite simple as you just enter your personal and coverage information into the quote form. Upon sending the form, their system orders reports for credit and driving violations and returns a price quote based on these factors. Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you are searching for lower prices.

Rate comparisons made easy

An easier way to get multiple rate quotes requires only one form that obtains quotes from a lot of companies. It saves time, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending your information, it is rated and you can select your choice of the quote results. If a lower price is quoted, you can click and sign and purchase the new policy. It can be completed in a matter of minutes and can result in significant savings.

In order to compare pricing, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter deductibles and limits identical to your current policy. This helps ensure you’re receiving an apples-to-apples comparison based on identical coverages.

When should I use an insurance agent?

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • How can I get high-risk coverage after a DUI?
  • Should I sign the liability waiver when renting a car?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when using my vehicle for business?
  • Is my teen driver covered when they drive my company car?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation 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 It’s fast, free and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from ads for the lowest price auto insurance by Allstate, Geico and Progressive. They all say the same thing of big savings if you switch to their company.

How do they all make the same claim?

Insurance companies have a certain “appetite” for the driver that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A propective insured who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t measure up to these standards must pay a more expensive rate which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the way they do. This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict which car insurance company will provide you with the cheapest Chevy S-10 insurance rates.

Car insurance 101

Understanding the coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Auto collision coverage

This coverage pays for damage to your S-10 resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, scraping a guard rail, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy S-10.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. 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. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hitting a bird, a tree branch falling on your vehicle, fire damage and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, nursing services and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

You just learned a lot of information how to lower your 1999 Chevy S-10 insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a small local company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Low-cost insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Additional insurance information can be found at the links below