2004 Chevrolet S-10 Insurance Cost

Shoppers have a choice when shopping for the best price on Chevy S-10 insurance. They can either waste time contacting agents to compare prices or use the internet to find the lowest rates. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages for your Chevy and find the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons as often as possible because rates change frequently. If you had the lowest premium rates on S-10 insurance a few years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the things you must know in order to find great coverage at a great price.

Save money with discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can drop the cost substantially. Some discounts will apply at the time of quoting, but once in a while a discount must be manually applied before they will apply.

  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt could cut 10% or more on medical payment and PIP coverage.
  • Responsible Drivers – Safe drivers can pay as much as 50% less on S-10 insurance compared to accident prone drivers.
  • Pay Early and Save – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
  • Accident Forgiveness – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Discounts for Multiple Vehicles – Having multiple cars with the same company can get a discount for every vehicle.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

To choose providers with discount rates, click here to view.

What is the best insurance coverage coverage?

When buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Do I need replacement cost coverage on my 2004 Chevy S-10?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered by my policy?
  • Do I need rental car coverage?
  • How can I get my company to pay me more for my totalled car?
  • Am I insured when driving a different vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does liability extend to a camper or trailer?
  • What is the minimum liability in my state?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Don’t listen to company ads

Consumers get pounded daily by advertisements that claim the best prices by State Farm, Geico and Progressive. They all make the same claim that you can save if you switch your policy.

How does each company make the same claim? Here is the trick they use.

Many companies have specific criteria for the type of customer that will generate a profit. For example, a desirable insured could possibly be between 25 and 40, has few claims, and drives less than 7,500 miles a year. A customer who matches those parameters gets the lowest prices and have a good chance to save when they switch companies.

Potential insureds who don’t measure up to these standards must pay more expensive rates which translates to the prospect going elsewhere. The trick companies use is to say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can confidently make it sound like they have such great rates. Different companies use different criteria so you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will have the best prices.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, loss of income, medical expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy S-10.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This covers damage to your S-10 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, surgery, rehabilitation expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Be Smart and Buy Smart

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced collision coverage only to regret that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

Drivers who switch companies do it for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, being labeled a high risk driver or even not issuing a premium refund. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

You just read a lot of information how to save on 2004 Chevy S-10 insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the most savings is with an unexpected company.

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Comments About 2004 Chevrolet S-10 Insurance

  1. Margaret Fletcher

    Thanks for putting this site together. I live east of Providence, Rhode Island. Not sure of all the companies but I ended up saving about $20 each month. Are quotes cheaper online? It’s only liability tho.

  2. Horace Mitchell

    I think I’m paying too much. Got a quote with Farmers for my S-10 and saved around $100 a year. Left Western Auto Insurance to switch. I used their online quote form to compare rates. I’m thinking about dropping full coverage though.

  3. Bo Hood

    Nice info. From northwest of Tacoma, WA. Quoted quotes with GEICO, Amica, Farmers, and GMAC for my Chevrolet and saved just over $80 a year. Anyone else drop full coverage?

  4. Phylicia Irwin

    Good site, thanks. From west side of Burlington, VT. I got free quotes from 21st Century, Amica, and Farmers for my S-10 and saved $76 a year. I increased coverages a little too. You can get a rate quote online. I don’t insure for physical damage though.

  5. Alexa Marshall

    Anyone buy from Auto-Owners? I’m in Rutland, VT.

  6. Bob Hensley

    Liked the article. Lifelong resident of Memphis, Tennessee. Got quotes from AIG Insurance, Farmers, and MetLife for my Chevrolet and saved just over $70 a year. Even increased my liability limits. Book value doesn’t justify full coverage anymore.

  7. Cory Hester

    When do I drop full coverage?

  8. Clementine Barry

    I’m in Rochester, NY. Quoted prices online for a 2004 Chevrolet S-10. Ended up at about $70 savings annually. Went with Allstate. Have a couple speeding tickets too. I just carry liability insurance.

  9. Tyron Townsend

    I compared a lot of rate quotes for a 2004 Chevrolet S-10 in Houston, TX. Ended up at right around $100 every six months with AIG Insurance. Left Amica to switch. Bought it from an online quote.

  10. Virginia Gibson

    Looking for cheaper 2004 Chevrolet S-10 insurance in Kailua, HI. Help!