1994 GMC Jimmy Insurance Quotes

Want better car insurance rates for your GMC Jimmy? Being forced to pay for expensive car insurance premiums can diminish your bank account and require stricter spending habits. Numerous insurance companies battle for your business, so it’s not easy to compare every company to find the lowest cost out there.

Buy insurance coverage online

Performing a rate comparison can be a daunting task if you don’t utilize the most efficient way. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most car insurance companies take part in a program where prospective buyers submit their information once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests to each company.

To get comparison pricing now click here (opens in new window).

The only drawback to getting quotes like this is that you can’t choose which insurance companies to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just try to keep the same coverages and limits with each company. If your comparisons have different deductibles it’s impossible to determine the best price for your GMC Jimmy.

Car Insurance Discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but once in a while a discount must be manually applied in order for you to get them.

  • Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you better premium rates if you take out life insurance.
  • Membership in Organizations – Being in qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
  • Own a Home – Owning your own home or condo can help you save on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • No Accidents – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
  • Military Discounts – Having a deployed family member could trigger a small discount.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.

We need to note that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

The best car insurance companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts for safe vehicle, passive restraint, good student, Drive Safe & Save, driver’s education, defensive driving training, and accident-free.
  • Progressive may have discounts that include multi-policy, good student, homeowner, multi-vehicle, continuous coverage, and online quote discount.
  • Progressive may include discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, and online signing.
  • MetLife has savings for multi-policy, accident-free, good driver, defensive driver, good student, and claim-free.
  • Farm Bureau includes discounts for safe driver, renewal discount, good student, driver training, youthful driver, and 55 and retired.
  • Geico policyholders can earn discounts including driver training, emergency military deployment, military active duty, federal employee, and membership and employees.
  • SAFECO discounts include safe driver, bundle discounts, multi-car, homeowner, drive less, and accident prevention training.

Before buying, ask each company how you can save money. Some credits might not apply in your area.

Tailor your car insurance coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover if you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Am I covered if hit by an uninsured driver?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have newly-aquired coverage?
  • Do I benefit by insuring my home with the same company?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Informed drivers save more

Lots of factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are more transparent like your continuous coverage or your financial responsibility.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine your rates.

  • A insurance lapse can increase premiums – Driving without insurance can get you a ticket and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher rates, getting caught without coverage could result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Do you really need the incidental coverages? – There are a lot of additional extra coverages that may not really be needed on your Jimmy policy. Insurance for things like personal injury protection, accidental death, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you have no use for them consider taking them off your policy.
  • Battle of the sexes – Over time, data shows women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Males and females are in at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get ticketed for serious violations such as reckless driving.
  • Use one insurance company and save – Many companies will give better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you already get this discount, it’s always a smart idea to comparison shop to help ensure you have the lowest rates.
  • Lower deductibles cost more – The deductibles you choose tell how much you are required to pay before a claim is paid by your company. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a stationary object, hail damage, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance for Jimmy insurance.
  • Getting married can save on insurance – Getting married can get you a discount on your policy. Having a spouse translates into being more stable financially and statistics show married couples file fewer claims.
  • Your career may increase rates – Do you work in a high-stress field? Careers such as fire fighters, social workers and dentists generally pay higher rates than the rest of us because of job stress and lots of time spent at work. Conversely, careers like actors, athletes and homemakers have lower than average premiums for Jimmy insurance.

Truth in insurance coverage advertising

Consumers can’t avoid all the ads for the lowest price insurance coverage from companies such as Allstate and Progressive. All the companies have a common claim that you can save just by moving your policy.

It sounds good, but how can they all save you money? Here is how they do it.

Insurance providers quote the lowest rates for a prospective insured that earns them a profit. An example of a preferred risk should be a married male, has never had a policy lapse, and drives a lower-performance vehicle. A customer getting a price quote that matches those criteria will get a cheap rate quote and is almost guaranteed to cut their rates if they switch.

Potential insureds who fall outside these criteria will see higher premium rates which translates to the customer not buying. Company advertisements say “customers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently make those claims.

Because of this risk profiling, you need to get a wide range of price quotes. Because you never know with any certainty which company will have the best rates for your profile.

Insurance coverage options for a 1994 GMC Jimmy

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others. Liability 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 values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, ambulance fees, rehabilitation expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hail damage, falling objects, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your GMC Jimmy.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Find Good Coverage for Less

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, drivers have reduced full coverage only to regret they didn’t have enough coverage. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.

A few companies do not offer online quoting and many times these smaller providers prefer to sell through local independent agencies. Budget-friendly insurance can be purchased from both online companies and with local insurance agents, so you need to compare both to have the best selection.

You just learned a lot of information how to compare 1994 GMC Jimmy insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the smallest insurance companies. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

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