Top Tricks to Lowering Your Chevy S10 Pickup Insurance Rates

Have you fallen victim to overpriced car insurance? Trust us, there are many people just like you. There are many insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more challenging to compare company pricing.

Finding affordable coverage is quite easy. If you have insurance now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Vehicle owners only need an understanding of the most effective way to shop their coverage around online.

Which Car Insurance is Cheapest?

Performing a rate comparison is a ton of work if you don’t know the most efficient way. You can waste hours talking to insurance companies in your area, or you could use online quotes to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that enables customers to submit their information once, and each participating company can give them a price. This saves time by eliminating quotation requests to each individual car insurance company. To get comparison pricing now click here to open in new window.

The one downside to using this type of system is you can’t choose which providers you will receive quotes from. So if you prefer to choose from a list of companies to request quotes from, we have a page of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use the exact same deductibles and coverage limits on every quote. If you are comparing different values for each quote then you won’t be able to find the best deal for your Chevy S10 Pickup.

Are you getting all your discounts?

Car insurance companies do not list all their discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
• Bundle and Save – If you have multiple policies with one company you may earn approximately 10% to 15%.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Distant Student – Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

Why your Chevy S10 Pickup might be costing you more

It’s important that you understand the rating factors that go into determining your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

• Protect yourself with liability coverage – Liability coverage provides coverage if a jury decides you are liable for damages from an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Allowing your policy to lapse raises rates – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• More people means more accidents – Living in a rural area can be a good thing when talking about car insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. Urban drivers have much more traffic to deal with and a longer drive to work. More time commuting translates into higher accident risk.
• Discounts for multiple policies – Most insurers will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
• Proper usage rating affects rates – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your S10 Pickup can cost quite a bit.
• Your car’s features help determine rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.

Better coverage you can count on

We just presented a lot of ways to lower your Chevy S10 Pickup insurance rates. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Budget-conscious Chevy S10 Pickup insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.