1993 GMC S-15 Jimmy Insurance Quotes

Did you fall for a flashy sales pitch and buy an expensive auto insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Popular companies such as Allstate and Progressive continually bombard you with catchy ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

Don’t overlook these insurance coverage discounts

Companies don’t always advertise every policy discount very well, so the list below contains both well-publicized and the more hidden credits that may apply to you.

  • Senior Discount – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote for S-15 Jimmy coverage.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with the same insurance company you could earn a discount of up to 20% and get you the cheapest insurance.
  • Accident-Free Discounts – Drivers who stay claim-free pay less in comparison to policyholders that have many claims.
  • Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Low Miles Discount – Driving fewer miles can qualify you for better premium rates on cars that stay parked.

As a footnote on discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky.

If you would like to view insurance coverage companies that have a full spectrum of discounts, follow this link.

Cheap car insurance quotes online

Comparing car insurance rates can be a daunting task if you don’t know the most efficient way. You could spend the better part of a day driving to local insurance agents in your area, or you can stay home and use the web to maximize your effort.

Most of the best insurance companies enroll in a system where prospective buyers submit their information once, and at least one company returns a competitive quote for coverage. This saves time by eliminating form submissions to every company. To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to doing it this way is you cannot specify the companies to get quotes from. So if you prefer to choose individual companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, do your best to enter the exact same coverage limits on every quote. If your comparisons have different liability limits it will be very difficult to make a fair rate comparison. Having just a slight variation in limits could skew the results. And when comparing car insurance rates, know that quoting more will enable you to find the best offered rates. Not every company provides rate quotes online, so it’s important to also get prices from the smaller companies as well.

When to get professional advice

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my camper covered by my car insurance policy?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance 101

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, fire damage, hitting a bird, damage from getting keyed and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

This will pay to fix damage to your S-15 Jimmy from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, backing into a parked car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, structural damage, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses such as X-ray expenses, nursing services, pain medications, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle 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

Quote often and quote early

Cheap 1993 GMC S-15 Jimmy insurance is possible from both online companies and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance coverage companies may not provide rate quotes online and most of the time these smaller providers only sell through independent agents.

Throughout this article, we presented some good ideas how you can get a better price on 1993 GMC S-15 Jimmy insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These smaller insurers often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

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