Are you a victim of an expensive auto insurance policy? Say no more because you are not the only one feeling buyer’s remorse. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company and get the definite lowest rate possible.
Consumers need to quote other rates before your policy renews since rates fluctuate regularly. Just because you had the lowest premium rates for S-15 Jimmy coverage a year ago other companies may now be cheaper. You’ll find a ton of advice on auto insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to quit paying high auto insurance rates.
Finding a better price on insurance is a fairly straight forward process. All that’s required is to spend a few minutes on the computer to compare free insurance quotes from different insurance companies. It’s really simple and can be done using a couple different methods.
For a list of links to insurance companies in your area, click here.
It doesn’t matter which method you choose, just double check that you are using identical coverage limits and deductibles for each comparison quote. If you compare different values for each quote you will not be able to determine the lowest rate for your GMC S-15 Jimmy.
When choosing proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.
Collision – Collision coverage will pay to fix damage to your S-15 Jimmy caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Comprehensive insurance – This will pay to fix 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 protects against claims like a broken windshield, fire damage, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants 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 should not be overlooked.
Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like pain and suffering, emergency aid and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage