1999 Chevrolet S-10 Car Insurance Quotes – 6 Policy Discounts

Looking for the cheapest insurance rates for your Chevrolet S-10? Finding the cheapest insurance for a new or used Chevy S-10 can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for insurance and we’ll show you the best way to price shop coverage for a Chevy and locate the lowest possible price from both online companies and local agents.

Finding affordable insurance coverage can be fairly easy. If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Vehicle owners just need to understand the most effective way to compare company rates over the internet.

Compare quotes for car insurance

Finding a lower price on 1999 Chevy S-10 insurance is actually quite simple. You just need to take a few minutes comparing rates to see which company has cheaper insurance quotes. This is very easy and can be done in a couple of different ways.

1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate quotes for each price estimate. A single, simple form will return quotes direct from many companies. It’s definitely the quickest method.
2. A slightly less efficient method to compare prices is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, we’ll assume you are doing a rate comparison from State Farm, Geico and Travelers. To get each rate you have to take the time to go to each site and punch in your information repeatedly, which can get rather old. For a list of companies in your area, click here.
3. The least efficient and most time consuming method to compare rates to local insurance agencies. Comparing online rate quotes eliminates the need for an insurance agent unless you’re the type of person who wants the professional advice only provided by licensed agents. Although you can price shop online but have your policy serviced through an agent.

Whichever method you choose, be sure to compare exactly the same deductibles and coverage limits for every company. If each company quotes differing limits it’s impossible to find the best deal for your Chevy S-10.

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Don’t listen to company ads

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to say the same thing that drivers will save a bundle if you get a free insurance quote and switch to them.

How does every auto insurance company sell you cheaper insurance coverage? It’s all in the numbers.

Insurance providers have strict underwriting profiles for the type of customer that makes them money. For instance, this type of insured might be described as over the age of 50, owns their home, and the vehicle is rated for pleasure use. Any customer that matches those criteria gets the lowest prices and will most likely cut their rates substantially.

Drivers who cannot meet the “perfect” profile must pay higher premiums and ends up with the customer buying from a different company. The wording the ads use say “drivers who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can make claims that they all have the best prices.

Because of these techniques, drivers must compare as many free insurance quotes as you can. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

These six discounts can reduce insurance rates

Car insurance companies don’t always publicize every discount very clearly, so here is a list some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

• Online Discount – A few larger online companies will give a small break for signing up digitally online.
• Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote on S-10 insurance than less cautious drivers.
• Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
• Discount for Home Ownership – Owning your own home or condo can save a few bucks since owning and maintaining a home requires personal responsibility.
• Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Professional Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on your next renewal.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce your premiums.

A list of companies and their offered discounts are:

• Progressive discounts include multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, good student, and multi-policy.
• AAA offers discounts including education and occupation, multi-car, anti-theft, pay-in-full, multi-policy, good student, and good driver.
• Farmers Insurance may include discounts for switch companies, good student, alternative fuel, electronic funds transfer, early shopping, youthful driver, and business and professional.
• Geico has savings for multi-policy, anti-theft, driver training, defensive driver, multi-vehicle, and seat belt use.
• Esurance offers premium reductions for renters, good student, anti-theft, good driver, paid-in-full, online quote, and safety device.
• SAFECO policyholders can earn discounts including safe driver, anti-lock brakes, teen safety rewards, accident prevention training, homeowner, multi-car, and teen safe driver.
• State Farm has discounts for accident-free, good student, safe vehicle, multiple autos, Steer Clear safe driver discount, and good driver.

It’s a good idea to ask all the companies what discounts are available to you. Some discounts may not apply to policyholders in your state. To locate insurers that have a full spectrum of discounts, click here.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions might help in determining if your situation might need an agent’s assistance.

• Are rental cars covered under my policy?
• Do all my vehicles need collision coverage?
• Will I lose any money if I cancel my policy before it expires?
• When should my teen driver be added to my policy?
• Should I have a commercial auto policy?
• Can I make deliveries for my home business?
• When should I drop full coverage on my 1999 Chevy S-10?
• Does my insurance cover my expensive audio equipment?
• Is pleasure use cheaper than using my 1999 Chevy S-10 to commute?
• Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

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Car insurance 101

Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy S-10.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, vandalism, damage from a tornado or hurricane and hitting a deer. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability – This protects you from damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, structural damage, repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as hospital visits, rehabilitation expenses, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

One last thing about your coverage

Cheaper 1999 Chevy S-10 insurance is definitely available on the web and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller providers work with independent insurance agencies.

When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at the best cost.

We just showed you a lot of information how to get a better price on 1999 Chevy S-10 insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company.

Even more information is located in these articles:

• State Laws for Cellphones and Texting (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)

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