Cheaper 1996 Chevrolet S-10 Car Insurance Quotes

Tired of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers. Drivers have multiple insurers to buy insurance from, and even though it’s nice to have a selection, it makes it harder to get the best deal.

It’s smart to compare rates before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the best rates for S-10 coverage two years ago there may be better deals available now. Starting right now, forget all the misinformation about insurance because we’re going to show you one of the quickest ways to find lower rates on insurance.

Cheap Insurance Coverage Comparisons

Comparing insurance coverage rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can waste hours driving to local insurance agents in your area, or you could use online quoting to get pricing more quickly.

Most major companies participate in an industry program that enables customers to complete one form, and each participating company returns a rated price determined by their information. This saves time by eliminating repetitive form submissions to every company.

To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you don’t know exactly the providers you will receive quotes from. So if you prefer to pick individual companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same deductibles and coverage limits for each price quote. If you enter differing limits it will be next to impossible to determine the lowest rate for your Chevy S-10.

How to reduce 1996 Chevy S-10 insurance rates

Companies that sell car insurance do not list every available discount very clearly, so we researched some of the best known and also the lesser-known ways to save on car insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Memberships – Being a member of a qualifying organization could trigger savings when shopping for car insurance for S-10 coverage.
  • Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Student in College – Kids in college who are attending college and do not have a car can receive lower rates.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for S-10 coverage depending on your company.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. Discounts may not apply in every state.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • How do I insure my teen driver?
  • Do I need motorclub coverage?
  • Where can I find high-risk insurance?
  • What discounts do I qualify for?
  • Does medical payments coverage apply to all occupants?
  • Where can I get insurance after a DUI in my state?
  • Why does it cost so much to insure a teen driver?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Chevy S-10 insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

  • Sex matters – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both cause accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Don’t sacrifice liability coverage – The liability section of your policy will protect you if ever you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Adjust deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chevy. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, and windstorm damage. Physical damage deductibles are how much you are willing to pay before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the lower your rates will be for S-10 coverage.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Chevy is rated at least four stars on or an “acceptable” rating on you may qualify for a discount.
  • Rates may be higher depending on your occupation – Occupations like doctors, architects and dentists are shown to have the highest average rates because of high stress and lengthy work days. Other occupations such as pilots, historians and retirees pay the least for S-10 coverage.

Do drivers who switch really save $480 a year?

Consumers constantly see and hear ads for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all say the same thing about savings if you move to them.

How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the right customer that makes them money. An example of a driver they prefer could be a mature driver, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Potential insureds who don’t meet the “perfect” profile must pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s not possible to predict the company that will give you the biggest savings on Chevy S-10 insurance.

Specific coverages for a 1996 Chevy S-10

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive auto insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This covers damage to your S-10 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, rolling your car, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like pain and suffering, funeral expenses, repair costs for stationary objects, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills for things like EMT expenses, hospital visits, surgery, pain medications and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy S-10.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Don’t throw your cash in the trash

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability coverage limits only to regret at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage for the lowest price.

You just learned a lot of ways to save on 1996 Chevy S-10 insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

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