Cheap 1998 Chevrolet S-10 Car Insurance Cost

Finding better insurance prices for a new or used Chevy S-10 could be difficult, but you can use the following methods to save time.

There is a better way to shop for insurance and we’ll show you the quickest way to get price quotes on a Chevy and locate the best price possible from local insurance agents and online providers.

How to buy insurance coverage

Effectively comparing insurance coverage prices can be exhausting if you don’t utilize the easiest way. You could waste time talking to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace that enables customers to send in one quote, and every company then returns a price quote. This saves time by eliminating quote forms for each company. To compare rates using this form now click here to open in new window.

The one disadvantage to using this type of system is you don’t know exactly which companies you want pricing from. If you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you use, do your best to enter exactly the same coverage information on every price quote you get. If you compare different limits and deductibles on each one it will be nearly impossible to make an equal comparison.

Get cheaper car insurance rates with discounts

Some insurers don’t necessarily list every disount available very clearly, so below is a list some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

• Renewal Discounts – Some larger companies give discounts for renewing your policy before your current policy expires. It’s a savings of about 10%.
• Mature Driver Discount – Drivers over the age of 55 may receive reduced rates on S-10 insurance.
• College Student Discount – Older children who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Multiple Cars – Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
• Membership in Organizations – Having an affiliation with a qualifying organization may earn a discount on your policy.
• Good Student Discount – Getting good grades may save as much as 25% on a insurance coverage quote. The discount lasts until age 25.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

• Will filing a claim cost me more?
• What discounts do I qualify for?
• Do I need motorclub coverage?
• Do I need replacement cost coverage on my 1998 Chevy S-10?
• Do I need PIP (personal injury protection) coverage in my state?
• Is there coverage for injuries to my pets?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, vandalism, falling objects and theft. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as ambulance fees, doctor visits, X-ray expenses, hospital visits and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your S-10 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, hitting a mailbox, rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

This provides protection from damage or injury you incur to other people or property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, pain and suffering, loss of income and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Feed the piggy bank

We just presented quite a bit of information on how to reduce 1998 Chevy S-10 insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the lowest prices come from the smaller companies.

Cost effective 1998 Chevy S-10 insurance is available online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer the ability to get quotes online and usually these smaller providers only sell through independent insurance agents.

When shopping online for insurance, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at the best possible price while not skimping on critical coverages.

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

• What is a Telematics Device? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)