Cheaper 1991 Chevrolet S-10 Insurance Rates

Do you get exhausted from scraping nickels together to pay car insurance each month? You are in the same boat as millions of other people.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurer to find the cheapest price

Discounts to earn cheaper insurance rates

Insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some must be asked about before they will apply.

• Data Collection Discounts – Drivers who agree to allow data collection to spy on driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Passive Restraints – Factory options such as air bags can get savings of up to 25% or more.
• Paperless Signup – Certain insurance companies will provide an incentive get insurance coverage online.
• Discounts for New Vehicles – Buying coverage on a new vehicle may earn a small discount compared to insuring an older model.
• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Active Service Discounts – Being on active duty in the military may lower your rates slightly.
• Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
• Memberships – Joining qualifying employment or professional organizations could qualify you for a break on your bill.

Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will help reduce your policy premium.

A list of insurance companies and some of the premium reductions they offer are outlined below.

• 21st Century policyholders can earn discounts including student driver, automatic seat belts, driver training, 55 and older, and homeowners.
• State Farm offers discounts for multiple policy, passive restraint, Drive Safe & Save, good driver, anti-theft, safe vehicle, and defensive driving training.
• AAA discounts include multi-car, AAA membership discount, multi-policy, good driver, and good student.
• Liberty Mutual offers discounts including newly retired, multi-car, safety features, exclusive group savings, teen driver discount, and new vehicle discount.
• Progressive has savings for multi-vehicle, good student, multi-policy, online signing, and continuous coverage.

It’s a good idea to ask every prospective company which discounts you qualify for. Some of the discounts discussed earlier might not apply in your state.

Learn how to lower your insurance premiums

Smart consumers have a good feel for some of the elements that aid in calculating your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower premium levels.

Listed below are some of the factors used by your company to calculate prices.

• Low stress job equals lower premiums – Occupational choices like military personnelairline pilots and dentists tend to pay higher rates than average attributed to job stress and lots of time spent away from family. On the other hand, professions such as scientists, engineers and the unemployed receive lower rates on S-10 insurance.
• Liability is important – A critical coverage on your policy, liability insurance is the coverage that protects you when you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so do not cut corners here.
• Cheaper rates for prior coverage – Having a lapse in insurance coverage will be a fast way to increase your auto insurance rates. In addition to paying higher premiums, getting caught without coverage will get you fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Responsible drivers pay lower rates – Only having one citation could increase your next policy renewal twenty percent or more. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Drivers who have license-revoking citations such as DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether you will benefit from professional help.

• Will my insurance pay for OEM parts?
• How much liability coverage do I need in my state?
• At what point should I drop full coverage?
• I don’t drive much so do I pay less?
• Does my 1991 Chevy S-10 qualify for pleasure use?
• What discounts do I qualify for?
• How do I file an SR-22 for a DUI in my state?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverage information

Understanding the coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, medical services, emergency aid and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy S-10.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like ambulance fees, doctor visits and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Don’t be a big spender

You just learned many ideas to compare 1991 Chevy S-10 insurance premium rates online. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best price on insurance coverage is with an unexpected company. These companies may only write in your state and offer lower prices compared to the large companies like Allstate, Geico and Progressive.

As you shop your coverage around, never skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage and learned later that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

More information

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)