Compare 1994 GMC S-15 Jimmy Car Insurance Rates

Searching for the cheapest insurance coverage rates for your GMC S-15 Jimmy? Are you sick and tired of scraping the payment together to pay your insurance coverage bill each month? You have the same problem as most other drivers.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

Buying car insurance is not rocket science. Just about every vehicle owner who carries insurance will be able to find better rates. Nevertheless, consumers need to have an understanding of how companies sell insurance online and apply this information to your search.

Get affordable auto insurance quotes with discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but some must be inquired about before you get the savings. If you do not double check each discount you qualify for, you are paying more than you should be.

  • ABS Braking Discount – Vehicles that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote in comparison with bad drivers.
  • Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more for S-15 Jimmy insurance than their less cautious counterparts.
  • Student Discount for Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Low Mileage Discounts – Low mileage vehicles can earn better premium rates on cars that stay parked.
  • Driver Safety – Taking a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of 20% or more.

It’s important to understand that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Some companies that may include many of the previously listed discounts include:

Before buying, ask all companies you are considering which discounts you qualify for. Discounts may not apply to policyholders in every state. To choose companies with discount rates, click here to view.

Six tips to get lower-cost insurance premiums

When buying auto insurance it’s important to understand the factors that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to big savings. Lots of factors are part of the calculation when quoting car insurance. Some are obvious like a motor vehicle report, but other factors are more obscure such as your marital status or your vehicle rating.

  • Why do you need liability insurance? – The liability section of your policy is the protection in the event that you are determined to be liable for an accident. Your policy’s liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Better rates for no policy lapses – Having an insurance coverage lapse is a sure-fire way to pay more for auto insurance. In addition to paying higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Cheaper to insure females? – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are responsible for auto accidents in similar percentages, but the males have costlier accidents. Not only that, but men also get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and thus pay the highest rates.
  • Does your vocation raise your auto insurance rates? – Did you know your occupation can influence how much you pay for auto insurance? Jobs like fire fighters, architects and emergency personnel usually pay higher premiums than the average policyholder due to stressful work requirements and long work hours. On the other hand, careers such as professors, students and performers have the lowest average rates for S-15 Jimmy insurance.
  • Physical damage deductibles – The deductibles you choose are the amount of money you are required to spend if a claim is determined to be covered. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims could be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance for S-15 Jimmy insurance.
  • Is your vehicle theft-ready? – Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might point out if your situation might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • How much underlying liability do I need for an umbrella policy?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford to buy a different vehicle if my 1994 GMC S-15 Jimmy is totaled?
  • Should I bundle my homeowners policy with my auto?
  • When should I remove comp and collision on my 1994 GMC S-15 Jimmy?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance ads are enticing

Allstate and Progressive continually stream ads in print and on television. They all seem to make the promise about savings just by switching your coverage to them. How can each company have lower policy pricing? Here is the trick they use.

Most companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable insured may be between the ages of 40 and 55, has a low-risk occupation, and has a high credit rating. Any driver that matches those criteria will get the preferred car insurance rates and will probably save money with a new company.

Drivers who fall outside this ideal profile may be required to pay higher prices which translates to business not being written. If you pay attention, the ads say “people who switch” not “all people who quote” save that much money. That is how insurance companies can confidently make those statements. Because every company is different, you absolutely need to compare quotes as often as possible. It’s just not possible to know the company that will give you the biggest savings.

The coverage is in the details

Having a good grasp of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your S-15 Jimmy resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your GMC S-15 Jimmy.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

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 liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, medical services, funeral expenses, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, nursing services, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, consumers will sacrifice full coverage only to find out that it was a big error on their part. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We’ve covered a lot of tips how to save on 1994 GMC S-15 Jimmy insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest prices are with an unexpected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

Some car insurance companies do not provide the ability to get a quote online and most of the time these smaller providers only sell coverage through independent insurance agents. Budget-friendly car insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

Much more information about car insurance can be read at the links below