Compare 1991 GMC S-15 Jimmy Car Insurance Cost

Trying to find cheaper car insurance rates for your GMC S-15 Jimmy? Buying car insurance online can be challenging if you haven’t ever used online quotes. Don’t let the process intimidate you because finding affordable coverage online is easier than you think.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Pricing more affordable insurance coverage can be fairly easy. But vehicle owners can benefit by having an understanding of how the larger insurance companies compete online because it can help you find the best coverage.

How to get free car insurance quotes online

Comparing car insurance rates can take time and effort if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in your area, or you could use online quoting to maximize your effort.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company returns a rated price for coverage. This prevents consumers from doing quote forms to each company.

To compare rates now click here (opens in new window).

The one downside to using this type of system is you don’t know exactly which companies to get pricing from. If you would rather choose individual companies to compare prices, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use apples-to-apples coverages with each company. If each company quotes different limits and deductibles on each one it’s not possible to find the best deal for your GMC S-15 Jimmy. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, quoting more increases the change that you will find a lower rate. Not every company allows you to get online rate quotes, so you also need to get price estimates from them, too.

Car insurance rates and discounts

Companies don’t always list every policy discount in an easy-to-find place, so here is a list a few of the more well known and the more hidden discounts that you can inquire about if you buy car insurance online.

  • No Claims – Insureds with no claims or accidents can earn big discounts in comparison to frequent claim filers.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Bundle and Save – If you can bundle your auto and homeowners insurance and place coverage with the same company you may save nearly 15% which can help you find cheaper car insurance.
  • Paper-free Discount – Some insurance companies give back up to $50 just for signing your application online.
  • Accident Forgiveness Coverage – Not necessarily a discount, but certain companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • New Car Discount – Buying insurance coverage on a new vehicle may earn a small discount because new vehicles keep occupants safer.
  • Defensive Driver Discount – Participating in a course in driver safety can save you 5% or more and easily pay for the cost of the class.
  • Driver Education Discount – Have your child complete a driver education course in school or through a local driver safety program.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save a little on the medical payments or PIP coverage costs.

Please keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few popular companies and a selection of discounts can be found below.

  • State Farm includes discounts for passive restraint, driver’s education, good driver, anti-theft, and student away at school.
  • Farmers Insurance offers premium reductions for teen driver, pay in full, early shopping, good student, mature driver, and multi-car.
  • Geico discounts include air bags, membership and employees, defensive driver, driver training, and emergency military deployment.
  • American Family has savings for good driver, early bird, air bags, mySafetyValet, and accident-free.
  • Nationwide may include discounts for family plan, defensive driving, good student, easy pay, and anti-theft.
  • Progressive offers discounts for online signing, multi-policy, continuous coverage, good student, and multi-vehicle.

Before buying, ask each company the best way to save money. Some of the discounts discussed earlier might not apply in your area. To see a list of insurance companies who offer cheap car insurance quotes, click here.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions might point out whether or not you may require specific advice.

  • Is my custom paint covered by insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Is a new car covered when I drive it off the dealer lot?
  • How much liability coverage do I need in my state?
  • Am I covered when driving someone else’s vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my GMC S-15 Jimmy covered if I use it for business?
  • What is roadside assistance coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Get cheap insurance rates by understanding these factors

Lots of things are used when quoting car insurance. Some of the criteria are obvious like an MVR report, although others are less apparent such as your credit history or your financial responsibility.

  • Poor credit can mean higher costs – Having a good credit score will be a significant factor in determining what you pay. So if your credit rating is lower than you’d like, you may save money insuring your 1991 GMC S-15 Jimmy by improving your credit score. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit ratings.
  • Consolidating policies can get discounts – The majority of insurers provide a discount to buyers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to make sure you are getting the best deal. You may still save even more than the discount even if you have your coverage with different companies
  • Accidents inflate premiums – Having a single speeding ticket or other violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers who have gotten dangerous citations like DUI or reckless driving may find they need to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • File a insurance claims and pay more – Car insurance companies award cheaper rates to drivers who are claim-free. If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.
  • Always keep your insurance policy in force – Having an insurance coverage lapse will be a sure-fire way to increase your insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Alarm systems lower insurance rates – Buying a car with anti-theft technology or alarm system can get you a discount on your insurance. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.

Do auto insurance companies bend the truth?

Popular auto insurance providers such as Progressive, Geico, Allstate and State Farm endlessly run ads in print and on television. All the ads make an identical promise that drivers will save a bundle if you change your coverage. How is it plausible that every one can offer you a better deal? It’s all in how they say it.

Different companies have specific characteristics for a prospective insured that will generate a profit. For instance, a profitable customer may need to be over the age of 50, has never had a policy lapse, and has a high credit rating. Someone who matches those parameters will get the preferred car insurance rates and is almost guaranteed to save money with a new company.

Potential insureds who do not fit this stringent profile will be quoted more expensive rates which leads to business not being written. The ad wording is “customers who switch” not “everyone who quotes” can save as much as they claim. This is how companies can state the savings. Because of the profiling, it is so important to compare quotes as often as possible. It’s not possible to predict the company that will have the best rates for your profile.

Insurance policy coverages for a GMC S-15 Jimmy

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, bail bonds, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should 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 do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your GMC S-15 Jimmy.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like EMT expenses, X-ray expenses, funeral costs, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your S-15 Jimmy caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Buy Smart and Save

Some companies do not provide price quotes online and these smaller companies sell through independent agencies. Lower-priced auto insurance can be purchased on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

Throughout this article, we presented a lot of techniques to compare 1991 GMC S-15 Jimmy insurance car insurance rates online. It’s most important to understand that the more you quote car insurance, the better your comparison will be. Drivers may discover the most savings is with a small mutual company.

Consumers leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, not issuing a premium refund and even policy non-renewal. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

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