Compare 1994 GMC Jimmy Car Insurance Quotes

Sick and tired of scraping nickels together each month for insurance? You’re in the same situation as many other consumers.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Smart consumers take time to take a look at other company’s rates quite often due to the fact that insurance prices change quite often. Even if you think you had the best deal for Jimmy coverage two years ago you can probably find a better rate now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the only way to lower your rates without sacrificing coverage.

The quickest method to compare car insurance company rates utilizes the fact most insurance companies pay for the opportunity to provide you with free rate quotes. The one thing you need to do is provide a little information including how your vehicles are used, daily mileage, your general credit rating, and whether you are married. That rating data gets transmitted to multiple top-rated companies and you receive quotes within a short period of time.

To compare rates for your 1994 GMC Jimmy now, click here and find out if you can get cheaper insurance.

Beware of misleading insurance coverage ads

Popular insurance coverage providers such as State Farm, Allstate and GEICO regularly use ads on TV and radio. All the companies seem to make the promise about saving some big amount if you move your coverage. How is it plausible that every one can make almost identical claims? You have to listen carefully.

Different companies require specific criteria for the right customer that earns them a profit. A good example of a desirable risk might have to be between the ages of 30 and 50, has other policies, and has a high credit rating. Any person who fits that profile will most likely get cheap prices as well as save a lot if they switch.

People who do not match these stringent criteria may be required to pay a more expensive rate and ends up with business not being written. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully make those statements. Different companies use different criteria so it is so important to quote coverage with many companies. Because you cannot predict which company will have the best rates at this point in time.

Lower your insurance rates

Many factors are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other criteria are more obscure like your vehicle usage or your financial responsibility.

The itemized list below are some of the items used by insurance companies to determine your premiums.

  • Safety ratings are a factor – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower injury rates means less claims paid and cheaper rates on your policy. If your GMC Jimmy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Your credit rating is important – Having a bad credit rating factor in determining what you pay. If your credit history is lower than you’d like, you may save money insuring your 1994 GMC Jimmy by spending a little time repairing your credit. Insureds with very good credit scores tend to be less risk to insure than those with lower ratings.
  • Get better rates if married – Having a significant other may cut your premiums compared to being single. Having a significant other generally demonstrates drivers are more financially stable and insurance companies reward insureds because married drivers get in fewer accidents.
  • Your car’s features help determine insurance rates – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
  • Females pay lower premiums – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Males and females are responsible for accidents at a similar rate, but the males tend to have more serious accidents. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

Cheaper insurance rates with discounts

Insurance is not inexpensive, but you may qualify for discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but some discounts are required to be inquired about before they will apply.

  • Life Insurance – Some insurance carriers give a break if you buy a life insurance policy as well.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car could get you a discount.
  • Good Student – This discount can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Multi-car Discount – Buying a policy with primary and secondary vehicles with one company qualifies for this discount.
  • Own a Home and Save – Just owning your own home can save a few bucks because it is proof of financial responsibility.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Accident Waiver – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.

Just know that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck. But any discount will reduce your policy cost.

Larger insurance companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts including accident-free, safe vehicle, multiple policy, anti-theft, Drive Safe & Save, and good driver.
  • Esurance may offer discounts for defensive driver, good student, paid-in-full, multi-car, renters, and DriveSense.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, online signing, homeowner, good student, and multi-vehicle.
  • Liberty Mutual has discounts for hybrid vehicle, newly married, exclusive group savings, multi-car, new vehicle discount, and safety features.
  • Auto-Owners Insurance offers discounts for air bags, safe vehicle, multiple vehicles, good student, and mature driver.
  • GEICO may have discounts that include emergency military deployment, air bags, driver training, anti-theft, and federal employee.

Check with every company which discounts can lower your rates. Savings might not be offered in your area.

Tailor your insurance coverage coverage to you

When buying coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you might need professional guidance.

  • Am I covered if I wreck a rental car?
  • What companies insure drivers after a DUI or DWI?
  • Do I need an umbrella policy?
  • Should I rate my 1994 GMC Jimmy as pleasure use or commute?
  • Does my personal policy cover me when driving out-of-state?
  • Are rental cars covered under my policy?
  • Can I still get insurance after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Having a good grasp of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix 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 claims like rock chips in glass, hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability coverage – Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like emergency aid, medical services, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision – This will pay to fix damage to your Jimmy resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills for things like rehabilitation expenses, X-ray expenses, surgery and EMT expenses. They are 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 also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Final thoughts

A few companies may not have online rate quotes regional insurance providers prefer to sell through independent agencies. Affordable 1994 GMC Jimmy insurance is attainable on the web as well as from independent agents, and you should compare rates from both to have the best selection.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

Much more information about car insurance can be read on the following sites: