Compare 1996 Chevrolet S-10 Insurance Quotes

Want cheaper insurance coverage rates for your Chevrolet S-10? I can’t think of anyone who enjoys paying for insurance coverage, particularly when the price is too high.

Having so many insurance coverage companies to choose from, it’s nearly impossible to locate the most cost effective provider.

You need to check insurance coverage prices every six months since insurance rates are constantly changing. Even if you think you had the best deal on S-10 coverage a couple years back you will most likely find a better rate today. So just block out anything you think you know about insurance coverage because I’m going to teach you the proper way to reduce your cost while increasing coverage.

Discounts on 1996 Chevy S-10 insurance

Companies that sell car insurance don’t necessarily list every available discount very well, so we break down both well-publicized and also the lesser-known car insurance savings.

  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on car insurance on S-10 coverage.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums on S-10 coverage.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on S-10 coverage than their less cautious counterparts.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Drive Less and Save – Fewer annual miles on your Chevy could be rewarded with discounted rates on garaged vehicles.
  • Government Employees – Simply working for the federal government may qualify you for a discount on S-10 coverage with certain companies.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.

Consumers should know that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of companies with discount car insurance rates, click here.

The best way to get rate comparisons is to understand all the major auto insurance companies participate in online systems to give you rate quotes. The one thing you need to do is take a few minutes to give details including if you went to college, the make and model of your vehicles, an estimate of your credit level, and how you use your vehicles. That information is instantly submitted to many different companies and they return quotes quickly.

To start a rate quote now, click here and enter your coverage details.

Parts of the Chevy S-10 rate equation

Consumers need to have an understanding of the factors that come into play when calculating your insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get lower insurance prices.

The list below includes a few of the “ingredients” companies use to determine your rates.

  • Men pay higher rates – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as reckless driving.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Chevy S-10 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers get better rates than their less careful counterparts. Only having one ticket can boost insurance rates by twenty percent. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Equipment add-ons that lower insurance rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can expect higher rates. Car insurance companies generally give cheaper rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Low deductibles can be expensive – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. A few examples of covered claims could be collision with another vehicle, damage caused by hail, and windstorm damage. The deductibles are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the less your insurance will be on S-10 coverage.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage?
  • Does having multiple vehicles earn me a discount?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Are insurance coverage companies telling the truth?

Companies like State Farm, Geico and Progressive regularly use ads in print and on television. All the ads make an identical promise about savings if you move to their company. How can each company claim to save you money?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could possibly be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Drivers who are not a match for these standards will be charged higher prices and this can result in business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently make those claims. That is why you should quote coverage with many companies. It’s not possible to predict which company will give you the biggest savings on Chevy S-10 insurance.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types offered by car insurance companies.

Auto liability insurance – Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical expenses, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford.

Comprehensive car insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, theft, vandalism, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses such as prosthetic devices, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your S-10 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1996 Chevy S-10.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

More quotes. Lower rates.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just covered many tips how you can shop for 1996 Chevy S-10 insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

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