1996 GMC S-15 Jimmy Car Insurance Quotes – 6 Savings Tips

Trying to come up with a payment for expensive insurance can dry up your funds and maybe even restrict other spending. Doing a rate analysis can be a smart way to ensure you are getting the best deal.

Big-name insurance companies like Geico, Farmers Insurance and State Farm promote their brand names with ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Compare car insurance quotes

There are several ways to shop for car insurance, but there is one way that is easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you can stay home and use online quotes for quick rates.

Many companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company then returns a price quote determined by their information. This saves time by eliminating quote requests to each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to pricing coverage this way is you don’t know exactly the providers to receive prices from. So if you prefer to choose individual companies for rate comparison, we put together a list of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you use equivalent deductibles and coverage limits for every company. If your comparisons have mixed coverages it will be impossible to decipher which rate is best.

Affordable insurance rates with discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Most are applied at the time you complete a quote, but a few need to be asked for before you get the savings. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

• 55 and Retired – Drivers over the age of 55 are able to get better insurance rates on S-15 Jimmy insurance.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
• Club Memberships – Being in a civic or occupational organization is a good way to get lower rates on your bill.
• Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles on one policy qualifies for this discount.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Safety Course Discount – Completing a driver safety course can save you 5% or more and make you a better driver.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will definitely reduce the amount you pay for coverage.

Auto insurance companies that may offer some of the discounts shown above possibly include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

When getting free insurance coverage quotes, it’s a good idea to each company or agent how you can save money. A few discounts may not apply to policies everywhere. To view insurers with significant discounts, click here.

Tailor your insurance coverage to you

When choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation may require specific advice.

• If I drive on a suspended license am I covered?
• Do I need an umbrella policy?
• What can I do if my company won’t pay a claim?
• Can my babysitter drive my car?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if I break a side mirror?
• Why am I be forced to buy a membership to get insurance from some companies?
• Who is covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage considerations

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, crashing into a building, scraping a guard rail, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, hitting a bird and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, doctor visits, EMT expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Quote often and quote early

When getting insurance coverage quotes online, do not buy poor coverage just to save money. In many cases, someone dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

More affordable auto insurance can be sourced on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these regional carriers prefer to sell through independent insurance agencies.

For more information, link through to the articles below:

• Credit Impacts Car Insurance Rates (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)