Hmm, that's weird about the Savage 10. They have a reputation for being very accurate rifles most of the time. I think something must be going on with yours. How does the crown look? Does it have any nicks? Run a q tip around it and see if it snags on anything. Also what about looking down the bore? Any issues you can see? Have you tried different brands of ammo? I had a Browning BAR that shot about like that until I found out it really liked Federal Power Shok and Federal Fusion ammo. If I used either of those the groups were pretty decent.

I've only shot one Savage model 10 but it really impressed me. It was one with a synthetic stock and a accu trigger. Didn't have the accu stock though. Now it was in a different caliber than yours as this one was in a .243 winchester. I shot it at 100 yards and it put 3 shot groups that were right around .75". I measured them with a tape measure and it was almost exactly 3/4" of an inch. I measured 2 different groups both were with different ammo but cheap soft point ammo. One was Winchester Power Points one was Federal Power Shok soft point ammo. When I did a 6 shot group I got one flier but I'm pretty sure it was me. The other 5 were inside of an inch and a half. Right under 1.5". So a .75" group for 3 shots and a 1.5" group for 5 shots seems very good to me consider I've never been able to shoot that well with any other rifle. This was also with a cheap Simmons Blazer scope btw. This rifle really impressed me as it just had a great feel and shot great. I've really never shot groups like that consistently at 100 yards with any other gun I've shot.

That combined with the majority of the posts I've read saying they are really accurate makes me think that something is wrong with your gun.