Cheapest 1991 Chevrolet S-10 Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 12, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Searching for the cheapest insurance coverage rates for your Chevrolet S-10? Locating the cheapest insurance for a new or used Chevy S-10 can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for insurance coverage so you’re going to learn the best way to price shop coverage for a new or used Chevy and locate the lowest price from both online companies and local agents.
You should make it a habit to check insurance coverage prices before your policy renews since rates are rarely the same from one policy term to another. If you had the best rates on S-10 coverage a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about insurance coverage because I’m going to teach you the things you must know in order to lower your annual insurance bill.
Are you getting all your discounts?
Car insurance companies don’t always advertise every discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.
- Multiple Cars – Insuring all your vehicles on the same insurance policy can get a discount on all vehicles.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
- Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on S-10 coverage than less cautious drivers.
- Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- Homeowners Pay Less – Simply owning a home may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
- Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Claim Free – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
- Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
- Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.
To see a list of providers with the best insurance discounts, click here to view.
When might I need an agent?
When buying the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.
For example, these questions can help discover if you may require specific advice.
- Should I buy only the required minimum liability coverage?
- Who is covered by my policy?
- Do I need roadside assistance coverage?
- Am I covered if I hit my neighbor’s mailbox?
- Am I insured when driving a different vehicle?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Can you really save $449 a year?
Consumers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all say the same thing that you can save if you move to their company.
But how can every company make the same claim? This is how they do it.
All the different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could possibly be between the ages of 40 and 55, has no prior claims, and has great credit. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when they switch companies.
Potential insureds who don’t measure up to the requirements will have to pay higher prices which usually ends up with business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save money. That’s why companies can claim big savings. Because of the profiling, you absolutely need to compare as many rates as you can. It’s just too difficult to predict which company will provide you with the cheapest Chevy S-10 insurance rates.
Auto insurance coverages
Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Insurance for medical payments
Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, pain medications, chiropractic care, dental work and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
This covers damage to your S-10 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy S-10.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance
This can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $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.
Liability coverage pays for things such as medical services, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like vandalism, damage from getting keyed, damage from a tornado or hurricane, fire damage and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Online plus local equals savings
You just learned a lot of ways to shop for 1991 Chevy S-10 insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier.
Cheaper insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance coverage companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
To learn more, link through to the articles below:
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Hyundai Santa Fe Insurance
- Toyota Rav4 Insurance
- Dodge Ram Insurance
- Honda Civic Insurance
- Toyota Prius Insurance
- Hyundai Tucson Insurance
- Kia Optima Insurance
- Nissan Rogue Insurance
- Toyota Sienna Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area