1995 GMC Jimmy Car Insurance Rates - 7 Tricks for Cheaper Quotes

Want better auto insurance rates for your GMC Jimmy? Being forced to pay for pricey auto insurance premiums can dry up your savings account and force you to tighten up your finances. Due to the abundance of auto insurance companies to choose from, it’s nearly impossible to pick the cheapest insurer.

The best way we recommend to compare policy rates utilizes the fact all the major auto insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including if you lease or own, whether or not you need a SR-22, your occupation, and if you’re married. That rating information gets sent immediately to insurance carriers in your area and they return rate quotes quickly.

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Drivers save money with with these seven discounts

Some companies don’t always advertise the complete list of policy discounts very clearly, so we break down both the well known and also the more inconspicuous credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.

Life Insurance – If the company offers life insurance, you could get better prices if you take out some life insurance in addition to your auto policy.
Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Jimmy coverage than their less cautious counterparts.
Defensive Driver – Passing a course that instructs on driving safety may get you a small discount if you qualify.
Buy New and Save – Buying a new car instead of a used car is cheaper compared to insuring an older model.
Active Military Service – Being deployed in the military could trigger a small discount.
Discount for Home Ownership – Owning a house can earn you a little savings because maintaining a house demonstrates responsibility.

A quick disclaimer, some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. But any discount should help lower your auto insurance premiums.

To choose providers that offer some of these discounts, click here to view.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if you may require specific advice.

When should I remove comp and collision on my 1995 GMC Jimmy?
What is the ISO rating for a 1995 GMC Jimmy?
What are the best liability limits?
Do I have coverage when using my vehicle for my home business?
Do I need special endorsements for business use of my vehicle?
What exactly is covered by my policy?
Do I need added coverage for expensive stereo equipment?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, falling objects, damage from a tornado or hurricane, hail damage and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, prosthetic devices, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1995 GMC Jimmy.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

Collision insurance pays for damage to your Jimmy from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Shop Smart and Save

There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agents. Lower-priced 1995 GMC Jimmy insurance can be bought from both online companies and from local insurance agents, so you should compare both in order to have the best chance of saving money.

When you buy car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered some good ideas how to get a better price on 1995 GMC Jimmy insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable car insurance. Drivers may discover the most savings is with a smaller regional carrier. These companies 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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