View 1995 GMC Jimmy Insurance Quotes

Searching for cheaper car insurance rates for your GMC Jimmy? If online car insurance comparisons are new to you, it’s easy to get confused by the vast assortment of local and online companies who claim to have the best car insurance rates.

It’s a good habit to compare premium rates periodically because rates go up and down regularly. If you had the best rate for Jimmy insurance a year ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to find great coverage at a great price.

Use discounts on car insurance

Companies don’t always list every discount in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous credits available to you.

  • Service Members Pay Less – Having a family member in the military could be rewarded with lower prices.
  • Own a Home and Save – Just owning your own home may earn you a small savings since home ownership requires personal responsibility.
  • Multi-car Discount – Insuring multiple cars or trucks with the same car insurance company qualifies for this discount.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new model year vehicles have better safety ratings.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Bundled Policy Discount – If you combine your home and auto policies with the same company you may earn up to 20% off your total premium.
  • Memberships – Affiliation with a qualifying organization could trigger savings when getting a insurance coverage quote.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will help reduce the cost of coverage.

A list of car insurance companies and some of the discounts can be read below.

  • Farm Bureau has discounts for 55 and retired, renewal discount, youthful driver, multi-policy, and driver training.
  • MetLife policyholders can earn discounts including defensive driver, accident-free, multi-policy, claim-free, good student, good driver
  • Progressive may offer discounts for continuous coverage, good student, online quote discount, homeowner, multi-vehicle, multi-policy, and online signing.
  • AAA may include discounts for education and occupation, multi-policy, anti-theft, pay-in-full, multi-car, and good driver.
  • American Family offers discounts including mySafetyValet, multi-vehicle, defensive driver, bundled insurance, and good driver.
  • Geico offers premium reductions for daytime running lights, emergency military deployment, anti-theft, anti-lock brakes, and multi-vehicle.
  • State Farm discounts include defensive driving training, driver’s education, good driver, anti-theft, accident-free, multiple autos, and multiple policy.

When getting free insurance coverage quotes, it’s a good idea to every insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in every state.

How much is auto insurance?

There are a variety of methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You could spend the better part of a day talking to insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company. To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to using this type of form is you cannot specify which insurance companies you want to price. So if you prefer to pick individual companies to compare prices, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be certain you are entering nearly identical coverages and limits with every price quote. If you enter different liability limits it will be very difficult to determine which rate is truly the best. Having just a slight variation in limits could mean much higher rates. And when comparing auto insurance rates, know that getting more free quotes helps locate lower pricing. Some regional insurers cannot provide quotes online, so it’s important to compare quotes from them, too.

How your Jimmy insurance premiums are determined

Many factors are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, but other factors are less apparent like your continuous coverage or how financially stable you are.An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your insurance coverage rates. If you understand what influences your rates, this enables informed choices that can earn you lower rates.

  • Bad credit will cost you – Having a bad credit rating is likely to be a major factor in determining what you pay. Insureds that have high credit ratings tend to file fewer claims as compared to drivers with bad credit. If your credit history is lower than you’d like, you could potentially save money when insuring your 1995 GMC Jimmy by spending a little time repairing your credit.
  • Save money by having multiple policies – The majority of insurers will give better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to help guarantee you have the best rates.There is a chance you can save money by splitting coverages up.
  • Stay claim-free and lower premiums – If you file claims often, you should expect increased rates or even have your policy non-renewed. Car insurance companies provide cheaper rates to policyholders who file claims infrequently. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Five star crash test rating saves money – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your GMC Jimmy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Urban residents pay more – Being located in less populated areas of the country may provide you with better prices when buying insurance coverage. Less people living in that area means fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have congested traffic and longer commutes to work. More time on the road means a statistically higher chance of an accident.
  • Add-on coverages push up prices – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying but may not be useful. Things like coverage for rental cars, high-cost glass coverage, and motor club memberships could be just wasting money. They may seem good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Alarm systems lower rates – Choosing a vehicle with advanced anti-theft systems can save you some money. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my custom paint covered by insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage specifics

Having a good grasp of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, structural damage and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1995 GMC Jimmy.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like funeral costs, dental work, surgery, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your Jimmy from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Do the work, save more money

In this article, we presented some good ideas how you can shop for 1995 GMC Jimmy insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best rates are with some of the smallest insurance companies.

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, high prices, delays in responding to claim requests or even policy non-renewal. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

When shopping online for car insurance, never skimp on coverage in order to save money. In many cases, someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

More detailed car insurance information is available at these sites: