Save on 1995 GMC S-15 Jimmy Insurance Quotes

Having to pay for high-priced car insurance can overdraw your funds and force you to cut corners elsewhere.

Due to the fact that there are so many options when it comes to car insurance, it is very difficult to pick a more affordable car insurance company.

How to buy insurance online

Effectively comparing insurance prices can take hours if you don’t know the most efficient way to do it. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quotes for quick rates.

Many companies take part in a program where insurance shoppers complete one form, and at least one company returns a competitive quote based on that data. This prevents consumers from doing quote forms for each company.

To find out what other companies charge click here to start a free quote.

The one disadvantage to using this type of system is that consumers can’t choose the companies you want to price. So if you want to select specific providers to compare, we have assembled a list of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage information for each comparison quote. If you use different data you will not be able to make an equal comparison. Even a minor difference in limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best price. Not every company provides rate quotes online, so it’s necessary to compare prices from them, too.

Discounts can really help to save

Insurance is neither fun to buy or cheap, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but occassionally some discounts must be inquired about in order for you to get them.

  • Telematics Discount – Drivers that enable their insurance company to analyze where and when they drive by using a telematics device such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Club Memberships – Having an affiliation with a qualifying organization may earn a discount on your policy.
  • Accident Free – Drivers who stay claim-free can earn big discounts compared to drivers who are more careless.
  • Active Service Discounts – Being deployed with a military unit could trigger a small discount.
  • Discount for New Cars – Buying a new car model can save up to 30% since newer vehicles are generally safer.
  • Life Insurance Discount – Some insurance companies give lower insurancerates if you buy life insurance.
  • Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of up to 20% off your total premium.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • College Student – Youth drivers living away from home attending college and leave their car at home may be able to be covered for less.
  • Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

A list of companies and a selection of discounts include:

  • Geico has discounts for multi-policy, emergency military deployment, air bags, five-year accident-free, and federal employee.
  • Travelers includes discounts for payment discounts, good student, IntelliDrive, save driver, student away at school, multi-policy, and driver training.
  • Nationwide offers premium reductions for easy pay, business or organization, multi-policy, good student, defensive driving, and family plan.
  • Farmers Insurance offers discounts for distant student, alternative fuel, homeowner, pay in full, electronic funds transfer, good student, and business and professional.
  • Esurance may have discounts that include anti-theft, claim free, Pac-12 alumni, renters, good driver, emergency road assistance, and paid-in-full.
  • State Farm discounts include multiple policy, Drive Safe & Save, passive restraint, defensive driving training, good driver, multiple autos, and good student.
  • Progressive has savings for homeowner, online signing, good student, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
  • Mercury Insurance offers discounts including low natural disaster claims, anti-theft, ease of repair, location of vehicle, and good driver.

Double check with each company how many discounts you can get. Savings may not apply in your area.

Will just any policy work for me?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Do I need replacement cost coverage?
  • What happens if I owe more than my 1995 GMC S-15 Jimmy is worth?
  • Am I covered if my car is in a flood?
  • Are rock chip repairs covered?
  • Is my 1995 GMC S-15 Jimmy covered for smoke damage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my 1995 GMC S-15 Jimmy qualify for pleasure use?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Seven tips to get cheaper insurance prices

Many different elements are part of the equation when you get your auto insurance bill. Some are obvious such as your driving record, but other factors are not quite as obvious like where you live or your commute time.

The list below includes some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

  • Drive less and save – The higher the miles on your GMC every year the higher your rates will be. Almost all companies charge rates based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Improper usage on your S-15 Jimmy may be wasting your money. Verify your vehicle rating properly reflects the correct usage, because improper ratings can cost you money.
  • Limits of liability protection – Liability insurance will protect you if you are responsible for an accident. Your liability coverage provides you with a defense in court to defend your case. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Drivers with excellent credit save – A driver’s credit score factor in calculating your premium rate. Insureds that have good credit tend to file fewer claims and have better driving records than drivers with poor credit. If your credit can use some improvement, you could potentially save money when insuring your 1995 GMC S-15 Jimmy by spending a little time repairing your credit.
  • Add-on coverages push up costs – Insurance companies have many additional coverages that may not really be needed on your S-15 Jimmy policy. Things like coverage for rental cars, towing coverage, and extra equipment coverage are some examples. You may think they are a good idea at first, but if you have no use for them eliminate them to save money.
  • Don’t cancel your coverage without a new one in place – Allowing your insurance policy to lapse is a sure-fire way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to file a SR-22 with your state DMV.
  • Big city or small town – Residing in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Fewer drivers translates into fewer accident claims. Urban drivers tend to have more auto accidents and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Older drivers save more – Older people are proven to be safer behind the wheel, file fewer claims .Youthful drivers tend to be easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

Insurance coverages explained

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, vandalism and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, rehabilitation expenses, prosthetic devices, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your GMC S-15 Jimmy.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Save your hard earned cash

You just learned many ways to get a better price on 1995 GMC S-15 Jimmy insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the best premium rates are with an unexpected company. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Some insurance providers do not offer internet price quotes and many times these smaller providers only sell coverage through local independent agencies. Cheaper 1995 GMC S-15 Jimmy insurance can be sourced both online in addition to local insurance agencies, and you need to comparison shop both to have the best selection.

When you buy auto insurance online, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best possible price.

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