Cheaper 1998 GMC Jimmy Insurance Cost

Looking for better auto insurance rates for your GMC Jimmy? Finding the lowest cost auto insurance on the web can seem to be difficult for consumers not familiar with buying insurance online. Because there are so many insurers to choose from, how can drivers effectively compare them all to find the best available rates?

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you will be able to save some money using these techniques. Although consumers must comprehend how the larger insurance companies price online insurance because it can help you find the best coverage.

Cheap Auto Insurance Comparisons

There are multiple methods to compare 1998 GMC Jimmy auto insurance prices and some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could use the web for quick rates.

Most car insurance companies take part in a program that enables customers to submit their information once, and each participating company then returns a price quote based on that information. This saves time by eliminating form submissions for each company. To submit your quote information now, click here to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which carriers you want to price. If you would rather choose from a list of companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same deductibles and coverage limits on every quote. If you compare higher or lower deductibles it’s impossible to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. Just remember that getting more free quotes will enable you to find the best offered rates.

Lower rates by qualifying for discounts

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so we researched both the well known and the harder-to-find car insurance savings.

  • Club Memberships – Affiliation with a qualifying organization could trigger savings on car insurance on Jimmy insurance.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application digitally online.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Jimmy insurance than drivers with accident claims.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Jimmy insurance with select insurance companies.
  • Auto/Home Discount – When you have multiple policies with one company you could get a discount of up to 20% off your total premium.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Savings might not apply in your area.

Car insurance is unique, just like you

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I make deliveries for my home business?
  • Do I need replacement cost coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I missing any policy discounts?
  • How much underlying liability do I need for an umbrella policy?
  • Is my 1998 GMC Jimmy covered for smoke damage?
  • What if I total my 1998 GMC Jimmy and owe more than it’s worth?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

These factors can influence GMC Jimmy insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” companies use to determine premiums.

  • Your auto insurance rates can be influenced by your job – Jobs such as lawyers, architects and stock brokers tend to pay the highest rates due to high stress and lots of time spent at work. On the other hand, jobs such as actors, students and retirees have the lowest average rates on Jimmy insurance.
  • Careful drivers pay lower rates – Your driving citation history has a big impact on rates. Careful drivers get better rates than bad drivers. Even one speeding ticket can boost insurance rates forty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Discounts for multiple policies – The majority of companies will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible.
  • Better crash test results mean better rates – Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your GMC Jimmy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Liability coverage is peace of mind – Liability insurance will protect you if ever you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Where you live is a factor – Living in less populated areas can save you money when talking about auto insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Credit scores impact auto insurance rates – Having a bad credit history is a important factor in determining what you pay for auto insurance. If your credit score is not that good, you could be paying less to insure your 1998 GMC Jimmy by improving your credit score. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies provide lower rates to people who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.

Can switching companies really save?

Companies like Progressive, Allstate and GEICO continually stream ads on television and other media. All the ads make an identical promise that you can save after switching your policy. How can each company say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be over the age of 50, has no tickets, and has a short commute. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile must pay a higher premium which leads to business not being written. The ad wording is “people who switch” not “everyone that quotes” save money. That is how companies can make the claims of big savings. This illustrates why you need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Parts of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto liability – This coverage can cover injuries or damage you cause to people or other property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, hitting a parking meter, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Jimmy.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, pain medications and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

When shopping online for insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

People leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, being labeled a high risk driver or even poor customer service. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

You just learned quite a bit of information on how to shop for 1998 GMC Jimmy insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier.

Additional insurance coverage information is available on the following sites: