1993 GMC S-15 Jimmy Insurance Quotes

Looking for cheaper insurance coverage rates? Shoppers have lots of choices when shopping for the best price on GMC S-15 Jimmy insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to buy insurance coverage and we’ll show you the best way to quote coverages for your GMC and locate the best price possible either online or from local insurance agents.

It’s a good idea to compare prices yearly because rates are variable and change quite frequently. Even if you got the lowest rates for S-15 Jimmy insurance last year there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

Finding the best rates is not that difficult. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Drivers only need an understanding of the most effective way to get comparison quotes online.

Vehicle Insurance Comparison

There are a variety of methods to compare 1993 GMC S-15 Jimmy car insurance prices but there is one way that is more efficient than others. You could spend your day talking to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions for every car insurance company.

To compare pricing click to open in new window.

The one downside to doing it this way is that you can’t choose which providers to get quotes from. So if you want to choose from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare identical coverage information with every price quote. If your comparisons have higher or lower deductibles it will be very difficult to determine the lowest rate for your GMC S-15 Jimmy.

Don’t overlook these discounts

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so here is a list some of the best known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Homeowners Savings – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurers offering auto insurance discounts, click here.

GMC S-15 Jimmy rates are in the details

An important part of buying insurance is that you know the factors that help determine insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the factors companies use to determine prices.

  • Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can boost insurance rates by twenty percent. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • With age comes lower rates – Older drivers are more responsible, file fewer claims and get fewer tickets. Youthful drivers have a tendency to be less responsible behind the wheel and because of this, their insurance rates are much higher.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the GMC S-15 Jimmy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Where you live is a factor – Living in less populated areas can be a good thing when it comes to insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer drivers means reduced accidents.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
  • Your job and insurance rates – Occupations such as judges, executives and financial analysts tend to have higher average rates due to stressful work requirements and long work hours. Conversely, professions such as actors, engineers and retirees receive lower rates for S-15 Jimmy insurance.
  • One company can mean more discounts – Most insurance companies provide better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.

Is my situation unique?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether or not you might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if hit by an uninsured driver?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving a rental car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your GMC S-15 Jimmy.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability car insurance – Liability coverage can cover damage or injury you incur to other people or property. It protects YOU from claims by 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. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, medical expenses, repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, hospital visits, surgery, nursing services and dental work. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your S-15 Jimmy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive car insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from flooding, hail damage, vandalism and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

At the end of the day…

Lower-priced 1993 GMC S-15 Jimmy insurance is possible from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just read many ideas to save on insurance. The key concept to understand is the more you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from the least-expected company.

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