1992 Chevrolet S-10 Insurance Cost

Sick and tired of scraping the payment together to insure your Chevy every month? You are in the same boat as many other drivers.

You have so many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to compare company pricing.

The purpose of this post is to instruct you on how to get online quotes. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Nevertheless, drivers must understand the way companies price insurance differently and use this information to your advantage.

Auto Insurance Quote Comparison

To find the best auto insurance prices, there are several ways to get quotes from different insurance companies. The easiest way to find competitive 1992 Chevy S-10 insurance rates is to get quotes online. This can be done using a couple different methods.

  • One of the simplest ways to get quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing multiple quote forms for every auto insurance company. A single, simple form will get you price quotes from multiple companies.
  • A harder way to shop for auto insurance online consists of going to each company’s website and request a quote. For example, we’ll assume you want comparison quotes from Allstate, 21st Century and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  • The most time-consuming way to get comparison rates is to spend time driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the trained guidance that only a license agent can provide. You can, however, comparison shop online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, make sure you use exactly the same coverages and limits on every quote. If your comparisons have mixed coverages it’s not possible to make a fair comparison for your Chevy S-10. Just a small difference in coverage limits can mean a large discrepancy in price. Just remember that comparing more company’s prices helps locate better pricing.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Most are applied when you complete an application, but less common discounts must be specifically requested before they will apply.

  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for S-10 insurance with a few insurance coverage companies.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Sign Online – A few companies may give you up to $50 for buying your policy digitally online.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down your overall premium however.

Car insurance companies that may offer these discounts include:

Check with every prospective company what discounts are available to you. Savings might not apply in your area.

Tailor your coverage to you

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Do I need roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Does my 1992 Chevy S-10 need full coverage?
  • How much liability coverage do I need in my state?
  • What is an SR-22 filing?
  • When can I cancel my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy S-10.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This covers damage to your S-10 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, funeral costs, prosthetic devices and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but consider buying higher limits if possible.

Feed the piggy bank

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability coverage limits and learned later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cost effective 1992 Chevy S-10 insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of information how to get a better price on insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

Additional car insurance information is available on the following sites: