Compare 2001 Chevrolet S-10 Insurance Rates

Searching for the cheapest car insurance rates for your Chevrolet S-10? Cutting costs on Driverscar insurance is difficult for drivers not familiar with online comparison shopping. With such a large number of companies competing online, it can quickly become a burden to find more affordable car insurance rates.

Consumers should take time to compare prices once or twice a year because car insurance rates change quite often. If you had the best deal for S-10 insurance on your last policy you can probably find a better price now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

The cheapest auto insurance

When comparison shopping, there are several ways to compare rate quotes from many auto insurance companies in your state. The quickest method to compare 2001 Chevy S-10 insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished by using one of the methods below.

1. The fastest way to get quotes is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do repetitive form submissions to each individual auto insurance company. In just a few minutes this one form will return price quotes from all major companies.It’s the quickest way to get rates.
2. A harder way to analyze rates is spending the time to visit each individual company website and fill out a new quote form. For instance, we’ll pretend you want rates from Geico, Progressive and GMAC. You would have to navigate to each company’s site to enter your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you compare apples-to-apples coverage data on every quote. If you use differing limits it will be impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, more quotes increases the change that you will find a better price. Some smaller insurers to not give prices over the internet, so you need to compare price estimates from those companies as well.

Use discounts on insurance coverage

Car insurance is not cheap, but you may qualify for discounts that may help make it more affordable. A few discounts will be applied when you complete an application, but a few need to be specially asked for before you get the savings. If you aren’t receiving every discount available, you could be getting lower rates.

• Driver Safety – Successfully completing a safe driver class could save 5% or more and easily recoup the cost of the course.
• Claim Free – Insureds with no claims or accidents get the best insurance coverage rates as compared to drivers with a long claim history.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
• College Student Discount – Kids who are attending college and don’t have a car can receive lower rates.
• Own a Home and Save – Owning a home can earn you a little savings since owning and maintaining a home shows financial diligence.
• Student Driver Training – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
• E-sign – Some companies will give you a small discount just for signing your application on their website.
• Active Service Discounts – Being deployed in the military could mean lower prices.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

Companies and their offered discounts are:

• Mercury Insurance may have discounts that include location of vehicle, accident-free, age of vehicle, multi-car, anti-theft, and annual mileage.
• Farmers Insurance policyholders can earn discounts including homeowner, switch companies, teen driver, business and professional, and distant student.
• Farm Bureau may offer discounts for youthful driver, safe driver, renewal discount, 55 and retired, and driver training.
• State Farm discounts include driver’s education, anti-theft, student away at school, good student, and accident-free.
• Allstate may include discounts for 55 and retired, safe driver, economy car, premier plus, passive restraint, defensive driver, and farm vehicle.
• Geico has discounts for membership and employees, military active duty, good student, daytime running lights, multi-policy, and multi-vehicle.

Before purchasing a policy, check with every prospective company which discounts you qualify for. Some credits may not apply to policies in your area.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs will benefit from professional help.

• Does insurance cover damages from a DUI accident?
• Do I need more liability coverage?
• Do I have newly-aquired coverage?
• Can my teen drive my company car?
• What if I don’t agree with a claim settlement offer?
• Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, chiropractic care, dental work, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hail damage, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your S-10 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, colliding with a tree, colliding with another moving vehicle, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Quote more. Save more.

Some companies may not have the ability to get quotes online and most of the time these small, regional companies prefer to sell through local independent agencies. Discount 2001 Chevy S-10 insurance can be bought online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

Consumers who switch companies do it for a number of reasons such as poor customer service, policy cancellation, delays in paying claims and delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is not as hard as you think.

Much more information about auto insurance is available at the links below

• What is Full Coverage? (Allstate)
• Safety Belts FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)