1992 GMC S-15 Jimmy Insurance Quotes

Confused by the number of car insurance companies? Many other drivers are as well. Consumers have so many companies to choose from that it can be a real challenge to find lower rates.

It’s a great practice to do rate comparisons once or twice a year because insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on S-15 Jimmy coverage on your last policy other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to reduce your cost while improving coverage.

The purpose of this post is to help you learn how to get online quotes. If you have car insurance now, you stand a good chance to be able to save some money using this information. Although vehicle owners do need to learn the way companies sell insurance online and apply this information to your search.

The best way we recommend to compare policy rates is to know most of the bigger providers allow for online access to give rate comparisons. The one thing you need to do is provide details like your general credit rating, if you’re married, if a SR-22 is required, and how much education you have. Your insurance information is automatically sent to multiple companies and they provide comparison quotes quickly.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions may help you determine if your situation would benefit from professional advice.

  • Are rock chip repairs covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need roadside assistance coverage?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage if my license is suspended?
  • Why is insurance for a teen driver so high?
  • What is covered by UM/UIM coverage?
  • What if I don’t agree with a claim settlement offer?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of 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. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills for things like X-ray expenses, ambulance fees, pain medications and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance covers damage to your S-15 Jimmy caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, funeral expenses, repair bills for other people’s vehicles, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.