2004 Chevrolet S-10 Insurance Rates – 10 Tips to Save

Searching for the cheapest insurance coverage rates for your Chevrolet S-10? Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other drivers. You have multiple insurers to purchase coverage from, and even though it’s nice to have a choice, so many choices can make it hard to adequately compare rates.

Consumers need to take a look at other company’s rates every six months since insurance rates go up and down regularly. If you had the best deal on S-10 insurance a year ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Buying the lowest cost insurance coverage is not that difficult. If you are insured now or need new coverage, you can use this information to find the best rates and possibly find even better coverage. Consumers just need to learn the most efficient way to compare prices over the internet.

Cheap Insurance Coverage Comparisons

Finding a better price on insurance coverage can be relatively painless. Just invest a few minutes to compare rate quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. The most efficient way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form submissions for each company you want a rate for. Filling out one form will return quotes from all major companies.
  2. Another way to get comparison quotes requires visiting the website for each individual company and request a quote. For instance, we’ll assume you want comparison quotes from Farmers, Allstate and Travelers. You would have to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits for each comparison quote. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few must be specifically requested before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.

  • Own a Home – Owning a home may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates on S-10 insurance.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on S-10 insurance than drivers with accidents.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

To see a list of companies offering insurance coverage discounts, click here to view.

Insurance agents can help

When buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Does car insurance cover theft of personal property?
  • When does my teenage driver need to be added to my policy?
  • What vehicles should carry emergency assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when using my vehicle for business?
  • Am I covered if I crash into my own garage door?
  • At what point should I drop full coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. They all seem to make the same claim that you can save if you move to their company.

But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer that makes them money. A good example of a desirable insured could be over the age of 40, owns a home, and has a short commute. A driver who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Drivers who don’t measure up to the requirements will have to pay more money which leads to business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can claim big savings.

Because of the profiling, you should get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Car insurance coverages and their meanings

Understanding the coverages of car insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, pain medications, doctor visits, dental work and EMT expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage

This covers 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 insurance covers things like hail damage, falling objects and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy S-10.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your S-10 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, rolling your car, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

You just learned a lot of tips how to lower your 2004 Chevy S-10 insurance rates. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest premiums are with a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

The cheapest insurance is attainable both online and with local insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Much more information about car insurance is available on the following sites: