2001 GMC Jimmy Insurance Quotes – 5 Tricks for Best Rates

Finding more affordable prices on auto insurance could be difficult for drivers who have little experience buying insurance online. With such a large choice of companies competing online, it can quickly become a chore to find the best price.

If you are paying for car insurance now, you will be able to save some money using this strategy. Pricing the lowest cost insurance coverage is quite easy. Although drivers should learn the methods companies use to market on the web.

How to buy insurance coverage online

Most of the larger companies such as Geico, State Farm and Progressive make it easy to get coverage price quotes direct online. Getting prices online can be done by anyone as you just enter the amount of coverage you want into a form. Behind the scenes, their rating system automatically orders information on your driving record and credit history and quotes a price.

Quoting online makes it simple to compare prices but the time it takes to visit each company’s website and repetitively type in your information can get tiresome after awhile. But it is imperative to perform this step in order to find the lowest price.

There is a better way!

A less time-consuming method to lower your rates uses one form that gets prices from many companies. The form is fast, eliminates form submissions, and makes quoting online a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the policy. It just takes a couple of minutes and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages identical to your current policy. This way, you will have rate quotes for similar insurance coverage.

Insurance quotes and discounts

Insurance is expensive, but you may qualify for discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you quote, but some discounts are required to be specially asked for before they will apply.

  • Auto/Home Discount – When you have multiple policies with one company you may earn at least 10% off all policies.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for Jimmy insurance with certain companies.
  • Seat Belt Usage – Requiring all passengers to buckle up can save a little on the medical payments or PIP coverage costs.
  • Online Discount – Certain larger companies will give a small break for buying a policy and signing up over the internet.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison with frequent claim filers.

Remember that some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

The best insurance companies and some of their more popular discounts include:

  • Geico includes discounts for seat belt use, driver training, multi-vehicle, anti-theft, and good student.
  • Mercury Insurance discounts include annual mileage, anti-theft, location of vehicle, ease of repair, low natural disaster claims, and multi-car.
  • Farmers Insurance offers discounts including pay in full, youthful driver, homeowner, business and professional, and bundle discounts.
  • Auto-Owners Insurance may include discounts for anti-theft, group or association, paid in full, good student, anti-lock brakes, mature driver, and teen driver.
  • Liberty Mutual offers discounts for newly retired, new vehicle discount, hybrid vehicle, newly married, and safety features.
  • SAFECO may offer discounts for safe driver, teen safety rewards, bundle discounts, anti-lock brakes, and accident prevention training.
  • Progressive has savings for online signing, multi-vehicle, online quote discount, good student, and continuous coverage.
  • USAA has discounts for new vehicle, safe driver, family discount, vehicle storage, defensive driver, and driver training.

Double check with each company or agent which discounts you qualify for. A few discounts may not be available in your state. To see insurance companies that offer many of these discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Who is covered when they drive my 2001 GMC Jimmy?
  • I have a DUI can I still get coverage?
  • I don’t drive much so do I pay less?
  • Do I need PIP coverage since I have good health insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I make deliveries for my home business?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Jimmy.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for nursing services, dental work, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers 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

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like attorney fees, medical services, court costs, structural damage and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Jimmy resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, crashing into a building, hitting a mailbox, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a smart shopper

Throughout this article, we presented a lot of information how to compare 2001 GMC Jimmy insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Cost effective 2001 GMC Jimmy insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not have rates over the internet and usually these small, regional companies only sell through independent agencies.

Insureds switch companies for many reasons like high prices, extreme rates for teen drivers, poor customer service or even denial of a claim. Whatever your reason, choosing a new insurance company can be less work than you think.

For more information, take a look at the resources below: