Compare 1996 GMC Jimmy Insurance Rates

Drivers have options when trying to find the best price on GMC Jimmy insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and you need to know the quickest way to compare rates for a GMC and get the lowest price.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Vehicle owners just need to understand the most efficient way to compare price quotes on the web.

Buy car insurance online

There are a variety of methods to shop for car insurance, but some are less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Many companies participate in a marketplace that enables customers to send in one quote, and each participating company then returns a price quote for coverage. This eliminates the need for quote requests to each individual car insurance company.

To use this form to compare rates click here to open in new window.

The only downside to pricing coverage this way is you cannot specify which companies you will receive quotes from. If you would rather choose specific providers to receive pricing from, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the same coverages for every quote you compare. If your comparisons have higher or lower deductibles it’s not possible to make a fair rate comparison.

Discounts for affordable insurance rates

Companies that sell car insurance don’t always publicize the complete list of policy discounts very well, so we researched both the well known and the more hidden discounts you could be receiving when you buy insurance coverage online. If you’re not getting every credit you deserve, you may be paying too high a price.

• First Accident Forgiveness – Not a discount per se, but some insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims for a set time period.
• Discount for Good Grades – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.
• Telematics Discount – Insureds who allow data collection to monitor driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if their driving habits are good.
• Pay Early and Save – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
• Federal Employees – Federal government employees could provide a small rate reduction on Jimmy coverage depending on your company.
• No Accidents – Drivers who stay claim-free get the best insurance rates when compared with insureds who have frequent claims or accidents.
• Professional Memberships – Having an affiliation with a professional or civic organization could earn you a nice discount on your bill.
• Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company you could get a discount of up to 20% and get you the cheapest insurance coverage.
• New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
• Military Discounts – Having a family member in the military could qualify you for better premium rates.

You should keep in mind that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that you could get a free insurance policy, it’s just not the way it works.

To see companies who offer cheap insurance quotes, click this link.

Six tips to get lower-cost insurance prices

It’s important that you understand the factors that come into play when calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower auto insurance prices.

• Married people drive safer – Your spouse may cut your premiums when buying auto insurance. It usually means you are more stable financially and insurance companies reward insureds because drivers who are married are more cautious.
• Multiple policies with one company can save – Most larger insurance companies give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to save more without the discount by buying insurance from more than one company.
• Save money with good credit – Your credit history is a large factor in calculating your premium rate. Insureds that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit history is not that good, you could be paying less to insure your 1996 GMC Jimmy by taking the time to improve your credit score.
• Low physical damage deductibles mean high prices – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some coverage claims are a windshield shattered by a rock, vandalism, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define the amount the insured will be required to pay if you file a covered claim. The more money the insured has to pay upfront, the bigger discount you will receive on Jimmy coverage.
• A lauto insurance policy lapse is a bad thing – Driving any period of time without insurance is illegal and auto insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, the inability to provide proof of insurance might get you a license revocation or jail time.
• Your address can impact price – Being located in less populated areas is a good thing if you are looking for the lowest rates. People who live in big cities have to deal with more road rage incidents and longer commute times. Fewer drivers on the road means less chance of accidents in addition to lower liability claims

You may need specialized car insurance coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs might need professional guidance.

• When should I buy a commercial auto policy?
• Are rock chip repairs covered?
• How do I insure my teen driver?
• At what point should I drop full coverage?
• Do I need replacement cost coverage?
• Am I covered when using my vehicle for business?
• Why am I required to buy liability insurance?
• What are the financial responsibility laws in my state?
• Do I need rental car coverage?
• I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Switch companies and save? Really?

Drivers can’t get away from all the ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies convey the message that drivers will save a bundle just by switching to them.

How does every company lower your prices? It’s all in the wording.

Many companies have underwriting criteria for a prospective insured that will most likely be profitable. For example, this type of insured might have to be over the age of 35, has no driving citations, and drives newer vehicles. Someone who matches those parameters receives the best prices as well as save if they switch.

Consumers who do not fit the “perfect” profile will be charged more expensive rates which leads to the customer buying from someone else. The ads state “customers that switch” not “everyone who quotes” save the amount stated. That’s why companies can make claims that they all have the best prices. Because of the profiling, you should compare price quotes frequently. It’s just not possible to know with any certainty which company will provide the lowest premium rates.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 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. So UM/UIM coverage is a good idea.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as bail bonds, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

When searching for affordable insurance coverage quotes, never skimp on coverage in order to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Discount 1996 GMC Jimmy insurance is possible on the web as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not offer online quoting and many times these regional insurance providers only sell coverage through independent agencies.

We just presented some good ideas how to shop for 1996 GMC Jimmy insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with some of the lesser-known companies.

Other information

• Rental Reimbursement Coverage (Allstate)
• How to Avoid Common Accidents (State Farm)
• Distracted Driving (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)