1993 Chevrolet S-10 Insurance Rates

Searching for cheaper insurance rates for your Chevrolet S-10? Nobody cherishes buying insurance, especially when they are paying too much.

Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate possible.

It’s a good idea to get comparison quotes before your policy renews since rates are adjusted regularly by insurance companies. Just because you found the best price on S-10 coverage six months ago there may be better deals available now. So just forget all the misinformation about insurance because we’re going to show you one of the best ways to save on insurance.

Finding Insurance Coverage Deals

All major insurance coverage companies such as State Farm, Allstate and Geico provide coverage prices on the web. Getting quotes is fairly straightforward as you just enter your required coverages into the quote form. After the form is submitted, their rating system sends out for credit information and your driving record and quotes a price determined by many factors. Online price quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest possible prices on insurance coverage.

The easy way to compare rates

The preferred way to lower your rates uses one simple form that gets prices from more than one company. This type of form saves time, requires much less work on your part, and makes online shopping much simpler. Immediately after submitting the form, it gets priced and you can choose any of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and can result in significant savings.

If you want to fill out one form to compare multiple rates now, click here and fill out the form. If you have your current policy handy, we recommend you complete the form with your coverages just like they are on your policy. This helps ensure you will receive an apples-to-apples comparison based on identical coverages.

These discounts can lower your rates

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some discounts apply automatically at quote time, but lesser-known reductions have to be inquired about before you will receive the discount.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on S-10 coverage with a few auto insurance companies.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Low Mileage Discounts – Driving fewer miles can earn a substantially lower rate.
  • Organization Discounts – Participating in a qualifying organization is a good way to get lower rates when shopping for auto insurance on S-10 coverage.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But any discount will cut the amount you have to pay.

For a list of insurance companies offering auto insurance discounts, click here.

Different people need different coverages

When choosing proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Is upholstery damage covered by car insurance?
  • Am I covered when delivering products for my home-based business?
  • Can I afford low physical damage deductibles?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I hit a deer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When can I cancel my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, rock chips in glass, hail damage, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover 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. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, pain and suffering, legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy S-10.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

Collision coverage will pay to fix damage to your S-10 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.