1990 GMC S-15 Insurance Quotes – 6 Savings Tips

Are you kicking yourself for buying an underperforming, overpriced car insurance policy? You’re preaching to the choir because many consumers are in the same pinch. Multiple insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to find the best rates possible.

It’s a good idea to check car insurance prices yearly because prices are constantly changing. Despite the fact that you may have had the lowest price on S-15 coverage two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because I’m going to teach you how to quote online to save on car insurance.

Auto insurance companies offer many types of discounts

Insuring your fleet can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Some trigger automatically at the time of quoting, but some may not be applied and must be asked about before you will receive the discount. If you’re not getting every credit you deserve, you may be paying too high a price.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your auto insurance quote.
• Fewer Miles Equal More Savings – Fewer annual miles on your GMC can qualify you for discounted rates on garaged vehicles.
• Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with bad drivers.
• Savings for New Vehicles – Buying a new car model can save you some money compared to insuring an older model.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of 20 to 30 percent.
• Resident Student – Kids living away from home attending college and do not take a car to college can receive lower rates.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

A partial list of companies that may include these discounts include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When getting a coverage quote, ask all the companies the best way to save money. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of auto insurance companies with discount rates, click here to view.

Ways to get auto insurance rate quotes

Cutting your auto insurance rates can be relatively painless. You just have to spend a little time to get quotes to see which company has low cost auto insurance quotes. You can get a good selection of rate quotes using a couple different methods.

• The simplest way to get quotes is a comparison rater form click here to open form in new window. This method prevents you from having to do repetitive form entry for every company. One form submission will get you rate comparisons from several companies.
• Another way to compare rate quotes requires visiting the website for each individual company and repeat the quote process. For instance, let’s say you want to compare prices for Allstate, Farmers and American Family. You would need to spend time going to each site individually and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
• The most time-consuming method to shop rates is to drive around to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only an agent can give. Some companies do allow you to compare online quotes but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just be certain you are entering the same coverage limits and deductibles for each quote you get. If you are comparing differing limits it’s not possible to determine which rate is truly the best.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Will filing a claim cost me more?
• Is upholstery damage covered by car insurance?
• What can I do if my company denied a claim?
• How high should my uninsured/underinsured coverage be in my state?
• Am I covered if I crash into my own garage door?
• Is a fancy paint job covered?
• When would I need rental car insurance?
• When should I remove comp and collision on my 1990 GMC S-15?
• Should I buy additional glass protection?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Specific coverage details

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, EMT expenses and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, attorney fees, repair bills for other people’s vehicles, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance covers damage to your S-15 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle, hitting a mailbox and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hail damage, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Buy Smart and Save

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

You just read a lot of ways to shop for 1990 GMC S-15 insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable auto insurance. Consumers could even find that the lowest rates come from the smaller companies. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Cost effective 1990 GMC S-15 insurance is available both online and from local insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some companies may not provide online price quotes and usually these smaller companies work with local independent agents.

Helpful resources

• Choosing an Insurance Company (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)