2001 Chevrolet S-10 Insurance Quotes – 6 Policy Discounts

Searching for better insurance coverage rates for your Chevrolet S-10? Searching for low-cost insurance coverage online is difficult for people who are new to buying insurance on the web. With dozens of online companies, how can consumers possibly compare the different rates to find the lowest price?

You should make it a habit to compare rates once or twice a year due to the fact that insurance rates change regularly. Just because you found the best deal for S-10 insurance six months ago a different company probably has better rates today. There is a lot of wrong information about insurance coverage online but I’m going to show you a lot of great tips on how to reduce your insurance coverage bill.

Comparison of Insurance Coverage

All major insurance coverage companies quote prices directly from their websites. Getting online quotes is quite simple as you simply type in the coverages you want as requested by the quote form. After you complete the form, their system gets information on your driving record and credit history and returns pricing information.

Online price quotes makes comparing rates easy, but the work required to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you want to find the lowest insurance coverage rates.

Compare rates the easy way

An easier way to lower your insurance coverage bill requires only one form that gets price quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much simpler. After sending the form, it is rated and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To find out how much you can save on insurance coverage, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter the coverage information as shown on your current policy. Using the same limits helps guarantee you are getting rate quotes for similar insurance coverage.

Save money by taking advantage of these six discounts

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find some of the more common as well as the least known insurance coverage savings.

• New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
• No Charge for an Accident – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
• Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
• Driver Safety – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

Drivers should understand that some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of companies who offer insurance coverage discounts, click here.

When should I use an insurance agent?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Is my dog or cat covered if injured in an accident?
• What is an SR-22 filing?
• What is medical payments coverage?
• Am I covered when driving someone else’s vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Do I need special endorsements for business use of my vehicle?
• What can I do if my company denied a claim?
• If I drive on a suspended license am I covered?
• Is my trailer covered?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hitting a deer, a tree branch falling on your vehicle, theft and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This will cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, medical services, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision – This 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 can pay for things like damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses such as funeral costs, doctor visits, pain medications and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2001 Chevy S-10.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.