Compare 1990 GMC S-15 Insurance Quotes

Searching for lower insurance rates for your GMC S-15? If you’re searching for more affordable insurance online, do you get overwhelmed by the number of insurance sources that you can choose from? You’re not alone. drivers have such a vast assortment of sources available that it can quickly become a ton of work to lower your premium rates.

Choosing the best insurance company for you is easy if you know what you’re doing. Basically, anyone who carries car insurance should be able to find lower rates. Nevertheless, consumers need to have an understanding of the way insurance companies sell online because it can help you find the best coverage.

Take advantage of every insurance discount

Insurance is easily one of your largest bills, but discounts can save money and there are some available that could help you make your next renewal payment. Certain credits will be shown at quote time, but once in a while a discount must be asked for prior to getting the savings.

  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
  • Online Discount – A handful of insurance companies give back up to $50 for buying a policy and signing up on your computer.
  • Membership in Organizations – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next insurance statement.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
  • Low Mileage Discounts – Keeping the miles down on your GMC could earn better premium rates on cars that stay parked.
  • Discount for Life Insurance – Select companies reward you with a discount if you purchase a life insurance policy as well.
  • Anti-theft System – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Passenger Safety Discount – Cars that have air bags may qualify for discounts of 25 to 30%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts should help reduce your overall premium however.

A few popular companies and a summarized list of policyholder discounts can be read below.

  • State Farm offers premium reductions for good driver, Steer Clear safe driver discount, passive restraint, safe vehicle, multiple autos, and student away at school.
  • American Family has savings for good student, good driver, multi-vehicle, air bags, defensive driver, and bundled insurance.
  • AAA has discounts for multi-car, education and occupation, anti-theft, multi-policy, good driver, AAA membership discount, and pay-in-full.
  • GEICO includes discounts for good student, membership and employees, daytime running lights, defensive driver, military active duty, multi-vehicle, and anti-theft.
  • Mercury Insurance policyholders can earn discounts including anti-theft, low natural disaster claims, good driver, location of vehicle, and good student.
  • Farmers Insurance offers discounts for early shopping, youthful driver, alternative fuel, business and professional, multi-car, teen driver, and homeowner.
  • Progressive offers discounts including homeowner, multi-vehicle, good student, continuous coverage, online quote discount, and online signing.

If you are trying to find cheap insurance quotes, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To locate companies with significant discounts, follow this link.

How to buy car insurance

The majority of larger companies provide price estimates directly from their websites. Obtaining pricing is pretty easy as all you need to do is type in your coverage preferences into a form. Once entered, their rating system orders credit information and your driving record and provides a quote determined by many factors.

This makes it easy to compare insurance prices but having to visit a lot of sites and type in the same information gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find better prices.

Compare rates the easy way

The easiest way to find lower prices uses one form that gets price quotes from multiple companies. It saves time, requires much less work on your part, and makes online price comparison a lot less work. After sending your information, your coverage is rated and you can select your choice of the pricing results. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes 15 minutes at the most and could lower your rates considerably.

In order to find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate the coverage information as shown on your current policy. This makes sure you will have a rate comparison based on similar coverages.

Choices you make can impact your insurance rates

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but some are not quite as obvious such as your marital status or your commute time.Smart consumers have a good feel for a few of the rating criteria that are used to determine the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that can help you get big savings.

  • More traffic means higher claims – Choosing to live in a rural area may provide you with better prices when insuring your vehicles. Residents of big cities regularly have more road rage incidents and a longer drive to work. Less people means fewer accidents in addition to lower liability claims
  • Gals tend to be lower risk – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. They both have fender benders in similar percentages, but guys tend to have more serious accidents. Men also get ticketed for serious violations such as reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore are the most expensive to insure.
  • Getting married is a bonus – Getting married actually saves money compared to being single. Having a significant other means you’re more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Always have auto insurance – Driving without insurance is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Claims cost money – If you’re an insured who likes to file claims you should expect either policy cancellation or increased premiums. Insurance companies give discounts to policyholders who only file infrequent claims. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Prices may be lower depending on your job – Did you know your job can affect your rates? Occupational choices like military personnelairline pilots and financial analysts tend to have higher rates than the rest of us because of high stress levels and extremely grueling work hours. Conversely, occupations such as professors, athletes and performers pay the least on S-15 coverage.
  • Adjust coverage deductibles and save – Physical damage deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, collision with a deer, and damage from wind. The more of the claim the insured is willing to pay, the better rate you will receive on S-15 coverage.
  • More mileage equals more premium – Driving a lot of miles every year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based upon how much you drive. Cars used primarily for pleasure use receive better premium rates than those used for commuting. It’s a smart idea to ensure your policy states the correct usage. Having an incorrect usage rating on your S-15 can result in significantly higher rates.

How to know if you need help

When choosing proper insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • When do I need to add a new car to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Can my babysitter drive my car?
  • Are my friends covered when driving my car?
  • Is my ex-spouse still covered by my policy?
  • Is my camper covered by my car insurance policy?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I hit my neighbor’s mailbox?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, pain medications, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC S-15.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage protection

Collision insurance covers damage to your S-15 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from damage that occurs to people or other property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, medical expenses, court costs, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

A tidy conclusion

When getting insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Consumers who switch companies do it for many reasons like policy non-renewal, unfair underwriting practices, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

More affordable insurance is available both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not offer price quotes online and these small insurance companies prefer to sell through independent insurance agents.

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