Compare 1997 Chevrolet S-10 Car Insurance Quotes

Searching for cheap auto insurance on the internet can be difficult for beginners to buying insurance online. With so many choices of online companies available, how can you effectively compare the different rates to find the best price?

Consumers need to take a look at other company’s rates yearly because prices trend upward over time. Just because you found the lowest rates on S-10 coverage a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but by reading this article, you’re going to learn the best ways to slash your auto insurance rates.

Low Cost Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes from different insurance companies. The simplest method to find competitive 1997 Chevy S-10 insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing multiple quote forms for every insurance coverage company. One form submission will return price quotes from all major companies.It’s the quickest way to get rates.
  2. Another way to obtain and compare quotes online requires you to visit each company website and request a quote. For example, let’s assume you want comparison quotes from Allstate, Safeco and Farmers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming method of getting rate comparisons is to spend time driving to insurance agents’ offices. The internet has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. It is possible to get prices online and still use a local agent.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same information for each comparison quote. If you are comparing different limits and deductibles on each one it will be very difficult to make an equal comparison. Just a small difference in coverage limits may result in a large different in cost. Just remember that having more price comparisons helps you find the best rates.

Discounts are basically free money

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply at quote time, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Driver Safety – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • College Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will reduce your premiums.

For a list of insurers offering insurance discounts, click here.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • Is my trailer covered?
  • Does insurance cover tools stolen from my truck?
  • Do I need roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What happens if I owe more than my 1997 Chevy S-10 is worth?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Some factors that can determine what Chevy S-10 insurance costs

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower auto insurance prices.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both have accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations such as reckless driving.
  • Tickets mean higher rates – Good drivers have lower premiums compared to drivers with tickets. Even a single ticket can increase rates twenty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Occupation reflects on rates – Did you know your job can affect your rates? Careers like real estate brokers, executives and dentists are shown to have the highest average rates due to high stress levels and lengthy work days. Other professions such as farmers, historians and homemakers pay the least on S-10 coverage.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.

Is there truth in advertising?

Allstate and Progressive continually stream ads in print and on television. All the companies make an identical promise that you can save after switching your coverage to them. But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. An example of a desirable insured might be between 30 and 50, a clean driving record, and has a short commute. Any driver who meets those qualifications receives the best rates and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile will be charged higher prices and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make those claims.

That is why you should quote coverage with many companies. It’s impossible to know the company that will provide you with the cheapest Chevy S-10 insurance rates.

Learn about car insurance coverages for a 1997 Chevy S-10

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Chevy S-10.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from flooding, theft and hail damage. The maximum payout a car 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 it’s not worth carrying full coverage.

Liability coverage

This provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees, bail bonds and court costs. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, EMT expenses, pain medications, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

Affordable 1997 Chevy S-10 insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

People leave their current company for a number of reasons such as questionable increases in premium, poor customer service, delays in responding to claim requests and even extreme rates for teen drivers. No matter why you want to switch, finding a new insurance coverage company is less work than it seems.

We’ve covered many ideas to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company.

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