Compare 1996 GMC Jimmy Insurance Quotes

Are you irritated from sacrificing other expenses each month for auto insurance? You’re in the same situation as millions of other people.

Lots of insurers contend for your business, so it can be very hard to choose a insurance company to find the lowest rate possible.

It’s important to compare prices yearly since insurance prices change quite often. If you had the best deal on Jimmy coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to eliminate unnecessary coverages and save money.

The best way we recommend to compare insurance rates from multiple companies is to know the fact most of the larger companies participate in a system to give rate comparisons. All you need to do is provide details including whether you have decent credit, if a SR-22 is required, how many miles driven, and the type of vehicles you drive. The data gets sent immediately to insurance companies and you will receive price estimates quickly.

If you would like to compare rates now, click here then complete the form.

Discounts for cheaper car insurance quotes

Car insurance is easily one of your largest bills, but you can get discounts that you may not even know about. Some of these disounts will be visible at quote time, but a few must be asked for prior to getting the savings.

Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance too.
Driver’s Education for Students – Teen drivers should complete a driver education course in high school.
Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally until age 25.
Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Jimmy coverage but check with your company.
55 and Retired – Older drivers may be able to get a small decrease in premiums on Jimmy coverage.
Bundle and Save – When you have multiple policies with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
Memberships – Having an affiliation with a professional or civic organization could qualify you for a break when shopping for car insurance.

As is typical with insurance, some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies who offer discounts, click here.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

Does car insurance cover theft of personal property?
Do I really need UM/UIM coverage?
Is my dog or cat covered if injured in an accident?
Can my teen drive my company car?
Where can I find DUI or SR-22 insurance?
Is extra glass coverage worth it?
I have a DUI can I still get coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking 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 auto insurance companies in your area.

Car insurance policy coverages for a 1996 GMC Jimmy

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as surgery, nursing services and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 GMC Jimmy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t 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. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, pain and suffering, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, damage from getting keyed and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.