1997 Chevrolet S-10 Car Insurance Cost – 6 Savings Tips

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Looking for lower insurance coverage rates? Shoppers have a choice when shopping for the lowest priced Chevy S-10 insurance. You can either spend your time calling around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to find insurance coverage online and we’ll show you the proper way to compare rates on a Chevy and find the lowest possible price.

Save with discounts on Chevy S-10 insurance

Companies don’t list all available discounts very well, so we break down some of the best known and the more hidden ways to save on car insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for S-10 insurance.
  • Accident Forgiveness – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • No Accidents – Claim-free drivers pay much less as compared to drivers who are more careless.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Discounts may not be available in your state.

Tailor your coverage to you

When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • What if I don’t agree with a claim settlement offer?
  • Who is covered when they drive my 1997 Chevy S-10?
  • Exactly who is provided coverage by my policy?
  • Am I covered when delivering products for my home-based business?
  • Are my friends covered when driving my car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance policy coverages for a 1997 Chevy S-10

Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, EMT expenses and ambulance fees. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your S-10 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, damaging your car on a curb, colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Make an honest buck

The cheapest 1997 Chevy S-10 insurance can be found both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, questionable increases in premium, an unsatisfactory settlement offer or policy non-renewal. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

More detailed car insurance information can be found by following these links:

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