Are you confused by the dozens of insurance coverage choices? Many other drivers are too. You have so many choices available that it can turn into a difficult challenge to find lower prices.
Consumers need to do price comparisons once or twice a year since rates are constantly changing. Even if you think you had the lowest rate for S-15 Jimmy insurance on your last policy you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the proper way to lower your annual insurance bill.
To find affordable insurance quotes, there are several ways of comparing price quotes from auto insurance companies in your area. One of the best ways to find cheaper GMC S-15 Jimmy rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.
Whichever way you use, be sure you’re using identical coverage limits for every company. If the quotes have different values for each quote you will not be able to determine the best price for your GMC S-15 Jimmy. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes provides better odds of finding lower pricing.
Insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but some discounts are required to be asked for in order for you to get them. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.
Remember that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.
Some of the insurance companies that may offer these benefits may include but are not limited to:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not apply to policies everywhere. If you would like to view insurance companies that offer the discounts shown above, click here.
When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.
These are some specific questions might help in determining whether or not you might need an agent’s assistance.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.
Learning about specific coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Liability coverage – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for claims such as funeral expenses, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – 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 to you and your family and damage to your 2001 GMC S-15 Jimmy.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a mailbox, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like vandalism, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.