How Much Does 1991 Chevrolet S-10 Car Insurance Cost?

Looking for better auto insurance rates for your Chevrolet S-10? Buying budget auto insurance may be somewhat difficult for people that are not comfortable with quoting and comparing rates online. With such a large number of companies competing online, how are we expected to have a chance to compare every one to find cheaper auto insurance prices?

Get lower rates by taking advantage of discounts

Companies do not advertise every available discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find auto insurance savings.

• Telematics Discount – People who choose to allow their auto insurance company to monitor vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as they are good drivers.
• First Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Geico will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less on S-10 insurance than less cautious drivers.
• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
• Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount if you qualify.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
• Discounts for Federal Employees – Federal government employees could cut as much as 10% off on S-10 insurance with certain companies.
• Early Switch Discount – A few companies give discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
• Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
• Buy New and Save – Putting insurance on a new car can get you a discount because newer vehicles are generally safer.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To view providers that can offer you the previously mentioned discounts, follow this link.

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Why your insurance premiums might be higher

Lots of factors are taken into consideration when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are not quite as obvious like where you live or how financially stable you are.

• Get better rates if married – Having a wife or husband may save some money on your auto insurance bill. Having a significant other may mean you are more mature and it’s statistically proven that married drivers tend to file fewer claims.
• Your stress level may be raising your auto insurance rates – Jobs like military personnel, architects and financial analysts tend to have higher premiums than the average policyholder due to intense work-related stress and long work hours. Other careers such as scientists, engineers and homemakers pay the least on S-10 insurance.
• Commute or pleasure use – The more you drive each year the higher the price you pay to insure it. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. It’s a good idea to make sure your auto insurance policy reflects annual mileage, because improper ratings can cost you money. Having the wrong rating on your S-10 may be wasting your money.
• Experienced drivers pay less – More experienced drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.Young drivers tend to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates.
• Vehicle theft costs us all – Selecting a car model with an alarm system can help lower your premiums. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
• Where you reside is a factor – Choosing to live in small towns and rural areas has it’s advantages when buying auto insurance. People who live in big cities have to deal with more traffic problems and longer commutes to work. Fewer drivers translates into fewer accident claims in addition to fewer liability claims.
• Always keep your auto insurance in force – Driving without insurance coverage in place is a big no-no and as a result your rates will increase for letting your insurance expire. Not only will you pay more, getting caught without coverage could earn you a fine, jail time, or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

How much insurance do I need?

When choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• Does my policy cover my teen driver if they drive my company car?
• Is my 1991 Chevy S-10 covered for flood damage?
• Am I covered if my car is in a flood?
• Should I get collision insurance on every vehicle?
• Should I rate my 1991 Chevy S-10 as pleasure use or commute?
• Is other people’s property covered if stolen from my vehicle?
• Am I insured when driving a different vehicle?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Save $488 a year! What?

Popular auto insurance providers such as State Farm and Allstate regularly use ads on television and other media. All the companies try to convey promises that you can save if you move to their company. That’s great but how can every company say the same thing? It’s all in the numbers.

Companies have an ideal profile for the type of insured that earns them the highest profit. One example of a profitable risk profile may need to be between 30 and 50, owns their home, and drives a safe vehicle. Any customer that matches those criteria receive the lowest rate quotes and will most likely save a lot if they switch.

Potential customers who may not quite match the ideal profile may receive a more expensive rate and ends up with the customer not purchasing. The trick is to say “customers who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can make those claims. Because of these techniques, you should do a price quote comparison at every renewal. It’s just not possible to know which insurance companies will have the best car insurance rates.

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Car insurance coverage information

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, rehabilitation expenses, nursing services and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy S-10.

Because many people 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.

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Online plus local equals savings

When shopping online for car insurance, never sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, high prices, denial of a claim or poor customer service. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

Cheaper car insurance can be purchased on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not provide internet price quotes and most of the time these small, regional companies work with independent agencies.

More detailed car insurance information can be found in these articles:

• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)

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