2000 Chevrolet S-10 Insurance Quotes

Trying to find better insurance rates for your Chevrolet S-10? Being forced to pay for pricey insurance premiums can bottom out your savings and force you to make sacrifices. Comparing rates annually is a smart way to reduce premiums and put more money in your pocket.

Since you have so many companies to choose from, it can be hard to locate the best company.

How to compare insurance rate quotes

Reducing your 2000 Chevy S-10 insurance rates is a fairly straight forward process. The only requirement is to take a few minutes comparing rate quotes to discover which company has inexpensive insurance coverage quotes. Insurance prices can be quoted by using one of the methods below.

1. One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quotes for each company. Completing one form gets insurance cost estimates from many national carriers.
2. A more time consuming way to compare rate quotes requires a visit to each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Allstate, 21st Century and Liberty Mutual. In order to get each rate, you would have to take the time to go to each site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
3. The most difficult method to get comparison rates is driving around to local insurance agencies. Comparing rate quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the personal advice of a local agent. Although you can price shop your coverage online but buy from a local insurance agent.

It doesn’t matter which method you choose, just make sure you use exactly the same coverage limits for each quote you get. If you have different data it will be impossible to decipher which rate is best.

How your S-10 insurance rates are determined

Multiple criteria are taken into consideration when quoting car insurance. Some are pretty understandable such as traffic violations, although others are not quite as obvious such as your credit history or how financially stable you are.When buying auto insurance it’s important to understand the factors that help determine your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that may result in lower auto insurance prices.

Listed below are a few of the things that factor into your premiums.

• Driving citations increase costs – Even one ticket may increase your cost by as much as thirty percent. Careful drivers pay lower auto insurance prices than bad drivers. Drivers who get license-revoking citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
• An active insurance claims history can cost more – Car insurance companies award lower rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
• Discounts for theft deterrents – Choosing to buy a car with a theft deterrent system can help lower your premiums. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
• Marriage equates to better prices – Being married may earn you lower rates on your policy. Marriage generally demonstrates drivers are more mature than a single person it has been statistically shown that married drivers tend to have fewer serious accidents.
• Save by driving less – Driving a lot of miles in a year the more you’ll pay to insure it. Almost all companies calculate prices partially by how you use the vehicle. Vehicles that are left in the garage cost less to insure compared to those used for work or business. Ask your agent if your auto insurance declarations sheet reflects the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your S-10 is just wasting money.

Discounts for cheaper auto insurance rates

Some insurance providers do not advertise every discount they offer in a way that’s easy to find, so the next list breaks down both well-publicized and the harder-to-find credits available to bring down your rates.

• Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
• Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
• Driver’s Ed – Teen drivers should complete a driver education course in school.
• Accident Waiver – This one is not really a discount per se, but some companies like Geico, Progressive, and Allstate may permit one accident before hitting you with a surcharge if you are claim-free for a specific time period.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with discounted premium rates on garaged vehicles.
• Active Service Discounts – Having an actively deployed family member could trigger a small discount.

Just know that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it’s just not the way it works.

A few of the larger companies and some of the premium reductions they offer are:

• State Farm includes discounts for good student, multiple autos, student away at school, passive restraint, and multiple policy.
• Progressive has discounts for homeowner, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
• Progressive may offer discounts for multi-vehicle, multi-policy, good student, online signing, and online quote discount.
• MetLife policyholders can earn discounts including good driver, defensive driver, good student, accident-free, multi-policy, and claim-free.
• Farm Bureau discounts include multi-policy, renewal discount, good student, youthful driver, and 55 and retired.
• Geico may include discounts for air bags, driver training, multi-vehicle, emergency military deployment, and good student.
• SAFECO offers premium reductions for teen safe driver, safe driver, anti-theft, drive less, accident prevention training, and multi-car.

If you want affordable insurance coverage quotes, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To choose auto insurance companies with significant discounts, click this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• Is rental equipment covered for theft or damage?
• Who is covered when they drive my 2000 Chevy S-10?
• What is the rate difference between pleasure use and commuting?
• Do I need special endorsements for business use of my vehicle?
• Do I need medical payments coverage since I have good health insurance?
• What is the ISO rating for a 2000 Chevy S-10?
• Does my policy pay for OEM or aftermarket parts?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy S-10.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance – This will cover damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, legal defense fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, falling objects, a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding 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 claims like hitting a parking meter, colliding with a tree, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills such as hospital visits, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Make a quick buck

In this article, we presented some good ideas how you can compare 2000 Chevy S-10 insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable insurance coverage. You may be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

While you’re price shopping online, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Additional information is located on the following sites:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)