1990 Chevrolet S-10 Insurance Rates

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

There are both good and bad ways to shop for auto insurance and we’ll show you the best way to price shop coverage for a Chevy and locate the lowest possible price either online or from local insurance agents.

Why you might be paying too much to insure your Chevy S-10

It’s important that you understand the different types of things that help determine car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in lower car insurance prices.

  • Older drivers pay less – Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Where you live – Choosing to live in a small town can save you money when talking about car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have traffic congestion and longer commutes to work. More time commuting can result in more accidents.
  • How’s your driving record? – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than people who have multiple driving citations. Even one citation may increase your cost forty percent or more. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles that you can buy on your S-10 policy. Coverages for personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
  • High deductibles save money – Your deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the less your company will charge you for insurance on S-10 insurance.
  • Rates may be lower depending on your job – Jobs such as lawyers, architects and financial analysts are shown to have higher average rates in part from high stress levels and lengthy work days. Conversely, occupations such as actors, engineers and retirees pay the least on S-10 insurance.

Pay less for 1990 Chevy S-10 insurance

The price of auto insurance can be rather high, but there are discounts available to help bring down the price. Some trigger automatically at quote time, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on S-10 insurance than drivers with accidents.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy on S-10 insurance.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on S-10 insurance with certain companies.

Keep in mind that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

To see a list of insurers with discount auto insurance rates, click here.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • If I drive on a suspended license am I covered?
  • Is my 1990 Chevy S-10 covered for flood damage?
  • When can my company non-renew my policy?
  • Is business property covered if stolen from my car?
  • Do I need an umbrella policy?
  • Is my camper covered by my car insurance policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • What exactly is covered by my policy?
  • How can I force my company to pay a claim?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a deer, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, nursing services, X-ray expenses, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1990 Chevy S-10.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

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

Collision insurance covers things like hitting a parking meter, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability – This can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Save your hard earned cash

People who switch companies do it for any number of reasons including extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and policy cancellation. No matter why you want to switch, switching companies can be easier than you think.

As you prepare to switch companies, you should never buy less coverage just to save a little money. Too many times, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate.

We just presented a lot of techniques to lower your 1990 Chevy S-10 insurance rates. The key concept to understand is the more you quote, the better your comparison will be. You may even find the lowest priced insurance coverage comes from some of the lesser-known companies.

Much more information about insurance coverage can be read on the following sites: