Save on 1993 GMC S-15 Jimmy Insurance Quotes

Buyers have lots of choices when searching for low-cost GMC S-15 Jimmy insurance. You can either spend your time driving around getting price quotes or save time using the internet to compare rates.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a GMC and locate the lowest possible price either online or from local insurance agents.

The purpose of this post is to help educate you on the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Consumers just need to learn the best way to compare company rates online.

Finding insurance coverage

There are several ways you can shop for insurance coverage but one way is less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you could use online quoting to accomplish the same thing much quicker.

Most major companies belong to a marketplace that allows shoppers to send in one quote, and each participating company returns a rated price based on that data. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To participate in this free quote system, click to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose the companies to get quotes from. So if you prefer to pick from a list of companies to compare rates, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using equivalent deductibles and coverage limits for each comparison quote. If you compare unequal deductibles or liability limits then you won’t be able to make an equal comparison.

Insurance buyers beware

Drivers can’t avoid all the ads that promise big savings for switching from the likes of Progressive, Allstate and Geico. All the ads convey the message that people will save just by moving your coverage to them.

How do they all have lower policy pricing? This is the way they can do it.

All companies are able to cherry pick for the driver that earns them the highest profit. A good example of a desirable insured might be over the age of 35, owns a home, and has a short commute. Any person that hits that “sweet spot” will get the preferred prices and have a good chance to save a lot of money.

Potential customers who fall outside the “perfect” profile will be quoted higher rates and this can result in the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can claim big savings.

This emphasizes why it’s extremely important to get insurance quotes from several different companies. Because you cannot predict the company that will have the best car insurance rates.

Smart buyers know how to find insurance coverage more affordably

Many factors are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but other factors are less apparent like where you live or how safe your car is.

• Teen drivers cost more – Older, more experienced drivers have been proven to be more responsible, file fewer claims and receive fewer citations.Beginning drivers have a tendency to be inattentive in a vehicle therefore insurance coverage rates are much higher.
• Accidents mean higher premiums – How you drive influences premium rates substantially. Even one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Attentive drivers pay less for auto insurance compared to bad drivers. Drivers who have gotten multiple citations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
• Do you have enough liability protection? – Liability coverage will protect you if ever you are responsible for an accident. Liability provides legal defense to defend your case. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
• Safety first – Cars with five star safety ratings get lower rates. Highly rated vehicles reduce injuries and fewer injuries means less claims paid passed on to you as lower rates.
• Be proud to be claim-free – Car insurance companies generally give better rates to drivers who do not file claims often. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended for more catestrophic claims.
• Getting married is a good thing – Getting married can actually save you money on your insurance coverage policy. Marriage translates into being more mature than a single person and insurance companies reward insureds because drivers who are married are more cautious.
• See if your company offers a multi-policy discount – Most larger companies apply better rates for people that have more than one policy in the form of a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, you may still want to compare other insurance prices to make sure you are getting the best deal. You may still save money even if you have your coverage with different companies

Find hidden discounts on car insurance

Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so the following list contains a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

• Homeowners Savings – Just owning your own home can earn you a little savings because it requires personal responsibility.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive, State Farm and Geico will let one accident slide before they charge you more for coverage if you have no claims before the accident.
• Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of more than 20%.
• ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Good Grades Discount – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because you may think you could get a free car insurance policy, you’re out of luck.

Companies and the discounts they provide are shown below.

• State Farm may include discounts for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, driver’s education, multiple autos, and accident-free.
• Nationwide offers discounts including multi-policy, family plan, easy pay, accident-free, anti-theft, and defensive driving.
• Geico discounts include daytime running lights, good student, federal employee, multi-policy, and anti-theft.
• AAA has savings for multi-policy, pay-in-full, good student, AAA membership discount, good driver, and education and occupation.
• 21st Century has discounts for student driver, anti-lock brakes, theft prevention, 55 and older, and good student.
• The Hartford includes discounts for defensive driver, vehicle fuel type, bundle, anti-theft, and air bag.

When quoting, ask every insurance company to give you their best rates. A few discounts might not be offered on policies everywhere. If you would like to see a list of car insurance companies who offer online car insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions may help you determine if you will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• How many claims can I have before being cancelled?
• If my 1993 GMC S-15 Jimmy is totaled, can I afford another vehicle?
• Am I better off with higher deductibles on my 1993 GMC S-15 Jimmy?
• Do I have coverage when pulling a U-Haul trailer?
• Should I sign the liability waiver when renting a car?
• Am I covered if I hit a deer?
• What is PIP insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance coverages 101

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a bird, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC S-15 Jimmy.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses like dental work, ambulance fees, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

A little work can save a LOT of money

In this article, we covered a lot of information how to compare 1993 GMC S-15 Jimmy insurance premium rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper insurance. You may even find the best premium rates are with the least-expected company.

As you quote insurance, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Drivers who switch companies do it for many reasons like not issuing a premium refund, extreme rates for teen drivers, high rates after DUI convictions and even being labeled a high risk driver. No matter why you want to switch, switching companies is actually quite simple.

Additional insurance coverage information is available at these links:

• Tread Depth and Tire Safety (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Think You’re a Safe Driver? (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)