1999 Chevrolet S-10 Car Insurance Rates – 10 Discounts for Cheapest Quotes

Wish you could get out of an expensive car insurance policy? Believe me, you’re not alone. You have multiple insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Drivers just need to learn the proper methods to buy insurance online.

Lower-cost insurance quotes with discounts

Some companies don’t necessarily list the entire discount list very clearly, so the list below details a few of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

• Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared to insureds who have frequent claims or accidents.
• Switch and Save Discount – Some insurance companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
• Club Memberships – Participating in a qualifying organization could trigger savings on your next insurance statement.
• Government Employee Discount – Active or retired federal employment may reduce rates when you quote auto insurance on S-10 coverage with certain companies.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
• New Vehicle Savings – Buying a new car model can cost up to 25% less because newer vehicles are generally safer.
• Payment Method – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle up could cut 10% or more off the personal injury premium cost.
• Distant College Student Discount – College-age children living away from home attending college and do not have a car could qualify for this discount.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, you won’t be that lucky.

Some of the larger companies that may offer policyholders most of these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you need cheap auto insurance quotes, ask each company or agent which credits you are entitled to. Discounts may not apply to policies everywhere.

Does car insurance advertising bend the truth?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all seem to advertise claims that you can save if you just switch to them.

How does each company lower your premium rates? It’s all in the wording.

Car insurance companies give the cheapest rates for the right customer that will not have excessive claims. An example of this type of driver might be described as between the ages of 30 and 45, has a clear driving record, and has a short commute. Someone who meets those qualifications will probably get cheap prices and as a result will probably pay quite a bit less when switching companies.

Potential customers who cannot meet these stringent criteria may be forced to pay a higher rate which leads to business going elsewhere. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can make those claims. This really drives home the point why you really need to compare quotes as often as possible. Because you cannot predict which car insurance company will have the best rates for your profile.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you will benefit from professional help.

• Do I pay less if my vehicle is kept in my garage?
• Should I buy more coverage than the required minimum liability coverage?
• Do I benefit by insuring my home with the same company?
• Do I need rental car coverage?
• Do I have coverage when using my vehicle for my home business?
• Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, vandalism, fire damage and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision insurance covers damage to your S-10 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, crashing into a building, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy S-10.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as prosthetic devices, chiropractic care, pain medications and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop around and save

You just learned a lot of tips how to compare 1999 Chevy S-10 insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small local company. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Affordable 1999 Chevy S-10 insurance can be bought both online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies may not have price quotes online and many times these small insurance companies only sell coverage through independent agents.

More information

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