1996 Chevrolet S-10 Insurance Cost – 10 Savings Tips

Locating the cheapest insurance for a new or used Chevy S-10 can be difficult, but you can use the following methods to find lower rates. There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to price shop coverage on a Chevy and locate the lowest price from local insurance agents and online providers.

Ten discounts for cheap car insurance quotes

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that could drop your premiums quite a bit. Some discounts apply automatically when you complete an application, but a few must be asked for in order for you to get them.

  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for better car insurance rates on S-10 coverage.
  • Waiver for an Accident – This one isn’t a discount, but companies like Geico, Allstate and Liberty Mutual allow you one accident before raising your premiums so long as you are claim-free before the accident.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the medical payments premium.
  • Student Driver Training – Have your child enroll and complete driver’s education if offered at their school.
  • Driving Data Discount – Policyholders that allow driving data collection to look at their driving habits through the use of a telematics system such as Progressive’s Snapshot may see discounts if they have good driving habits.
  • Switch and Save Discount – Select larger companies give a discount for switching to them prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Savings for New Vehicles – Buying a new car model can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • College Student – who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of 25 to 30%.

It’s important to note that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

The best car insurance companies and the discounts they provide can be found below.

  • Progressive offers discounts including good student, online signing, online quote discount, homeowner, multi-vehicle, and multi-policy.
  • The Hartford may have discounts that include vehicle fuel type, defensive driver, bundle, driver training, good student, anti-theft, and air bag.
  • Mercury Insurance offers premium reductions for multi-policy, good driver, location of vehicle, multi-car, age of vehicle, and ease of repair.
  • Geico includes discounts for defensive driver, multi-vehicle, federal employee, driver training, and good student.
  • AAA discounts include good driver, AAA membership discount, multi-policy, education and occupation, and pay-in-full.
  • State Farm policyholders can earn discounts including passive restraint, student away at school, good driver, defensive driving training, Drive Safe & Save, multiple autos, and multiple policy.

If you want cheaper auto insurance quotes, ask all the companies which discounts can lower your rates. Some discounts might not apply everywhere.

You may need specialized car insurance coverage

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions might help in determining if your situation might need professional guidance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I buy full coverage?
  • How can I find cheaper teen driver insurance?
  • Should I rate my 1996 Chevy S-10 as pleasure use or commute?
  • How do I buy GAP insurance?
  • How high should my medical payments coverage be?
  • Should I sign the liability waiver when renting a car?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving in Canada or Mexico?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, hitting a deer, hitting a bird, rock chips in glass and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your S-10 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for dental work, ambulance fees, pain medications and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, funeral expenses, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy S-10.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Compare but don’t skimp

Lower-priced insurance can be bought on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and usually these regional insurance providers prefer to sell through local independent agencies.

Consumers change insurance companies for many reasons like policy non-renewal, unfair underwriting practices, extreme rates for teen drivers or even delays in paying claims. No matter why you want to switch, finding a great new company can be pretty painless.

In this article, we covered a lot of techniques to shop for 1996 Chevy S-10 insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with a small local company.

Additional insurance information is available on the following sites:

Comments About 1996 Chevrolet S-10 Insurance

  1. Margret Chaney

    If you have a good history and live around Dallas, Texas, check out 21st Century. They seem to be cheaper. Even increased my liability limits.

  2. Ardith Gibson

    I’m just south of Columbus, OH. Received prices from Progressive, Esurance, and Hanover for my Chevrolet and I think I saved about $30 each month. Was with Mercury. I get lower rates because of my clean driving record. Next renewal I’ll just do liability.

  3. Jamie Guerrero

    Does Allstate have good claim service?

  4. Chasity Parsons

    Like your site, BTW. I live just to the west of San Antonio, TX. Compared rates from a lot of places. Saved darn near $20 a month. 21st Century was the best choice for me. Even increased coverage a bit. I’m thinking about dropping full coverage though.

  5. Adolph Price

    Not sure what I should be paying. From Fort Smith, Arkansas. I quoted with Hanover, Amica, Nationwide, and a couple others for my Chevrolet and I think I saved around $30 each month. I increased coverages a little too. Full coverage costs too much.

  6. Britany Weeks

    From northwest of Boise, ID. Don’t remember every company but I ended up saving about $20 each month. Teenage drivers are expensive! I don’t insure for physical damage though.

  7. Clara Bennett

    I’m looking for cheaper coverage. I live just outside Buffalo, NY. Quoted with 21st Century, Encompass, and The General for my Chevrolet and am saving around $110 a year. I used their online quote form to compare rates.

  8. Keiko Cameron

    I chose to switch to State Farm from American Family. I live in Aberdeen, SD. I get multi-vehicle and multi-policy discounts.

  9. Lester Huffman

    Thanks for putting this site together. I’m just north of Saint Louis, Missouri. I quoted with State Farm, Auto-Owners, and Esurance for my Chevrolet and saved just over $60 a year. Can still barely afford it. It’s too old for full coverage.