1992 Chevrolet S-10 Car Insurance Rates – 7 Tricks for Cheaper Quotes

Shopping for the most affordable insurance coverage over the internet is problematic for consumers not familiar with buying insurance online. With so many companies in the marketplace, how can consumers have a chance to compare every company to locate the cheapest available price?

How to Buy Insurance Online

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the easiest way. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the web to get prices fast.

All the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company can give them a price based on that information. This saves time by eliminating repetitive form submissions to every company. To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies you want pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing identical coverages and limits with each company. If your comparisons have unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that comparing more company’s prices gives you a better chance of getting the best offered rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you purchase, but lesser-known reductions have to be asked for before they will apply.

  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application online.
  • Senior Citizens – Mature drivers may qualify for a discount up to 10% for S-10 coverage.
  • Memberships – Being a member of a professional or civic organization could qualify you for a break when buying car insurance for S-10 coverage.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will bring down the cost of coverage.

For a list of insurers with discount car insurance rates, follow this link.

When might I need an agent?

When buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether or not you would benefit from professional advice.

  • Where can I find high-risk insurance?
  • What discounts do I qualify for?
  • Should I buy full coverage?
  • Am I covered if I break a side mirror?
  • Does my 1992 Chevy S-10 need full coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered when they drive my 1992 Chevy S-10?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage options for a 1992 Chevy S-10

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.


This can cover injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance 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 protects against things such as hail damage, rock chips in glass, damage from flooding and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy S-10.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as X-ray expenses, pain medications, nursing services, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your S-10 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Take this to the bank

We covered many ideas to save on 1992 Chevy S-10 insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or delays in paying claims. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

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