Save on 1991 GMC S-15 Jimmy Insurance Quotes

Want lower auto insurance rates for your GMC S-15 Jimmy? Trying to find low-cost insurance for a GMC S-15 Jimmy can turn out to be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to shop for auto insurance and you need to know the proper way to compare rates on a GMC and get the cheapest rates from both online companies and local agents.

Buying cheaper coverage can be fairly easy. If you have a current car insurance policy or need new coverage, you can use this information to find better prices and possibly find even better coverage. Vehicle owners just need to learn the tricks to shop for car insurance over the internet.

How to find affordable auto insurance

Effectively comparing auto insurance prices can take hours if you don’t know the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in your area, or you could use the internet for quick rates.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and every company then gives them pricing determined by their information. This prevents consumers from doing quote requests to each company. To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you can’t choose the companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, try to use nearly identical coverage limits with each company. If you have differing limits then you won’t be able to determine which rate is truly the best.

How to lower your insurance premiums

Multiple criteria are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are less obvious such as your credit history or how safe your car is.Consumers need to have an understanding of a few of the rating criteria that go into determining your premiums. When you understand what determines premiums, this helps enable you to make changes that may reward you with cheaper rates.

• Vehicles with better crash test results save money – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If the GMC S-15 Jimmy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Is your vehicle theft-ready? – Selecting a car model with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
• Premiums are lower the older you get – Older, more experienced drivers are more cautious drivers, file fewer claims and tend to be get fewer driving tickets.Inexperience drivers tend to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
• Car insurance liability limits – The liability section of your policy is the coverage that protects you if a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Do you know you’re credit rating? – Having a bad credit score can be an important factor in determining what you pay. If your credit rating leaves room for improvement, you could save money insuring your 1991 GMC S-15 Jimmy by improving your credit score. People with high credit scores tend to be more responsible and file fewer claims than drivers who have worse credit.

Get lower-cost rates with these discounts

Some companies don’t necessarily list all disounts very clearly, so we break down both the well known as well as the least known discounts that you may qualify for.

• Sign Online – Some of the larger companies provide a small discount for buying your policy over the internet.
• Life Insurance – If the company offers life insurance, you could get a lower car insurance rate if you buy a life policy as well.
• Bundle and Save – If you have multiple policies and place coverage with the same company you may earn 10% to 20% off each policy.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your next car insurance statement.
• Save with a New Car – Insuring a new car can get you a discount because newer vehicles keep occupants safer.
• Early Switch Discount – Some car insurance companies provide a discount for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
• Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on S-15 Jimmy insurance compared to accident prone drivers.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies and some of their more popular discounts can be found below.

• State Farm offers premium reductions for driver’s education, multiple autos, passive restraint, student away at school, good student, and defensive driving training.
• Esurance includes discounts for defensive driver, online shopper, multi-policy, paid-in-full, multi-car, and anti-theft.
• Progressive may have discounts that include multi-vehicle, online signing, good student, multi-policy, online quote discount, and continuous coverage.
• Liberty Mutual has savings for preferred payment discount, multi-policy, good student, hybrid vehicle, and newly retired.
• Auto-Owners Insurance may offer discounts for company car, student away at school, mature driver, safe driver, anti-lock brakes, safe vehicle, and group or association.
• Geico discounts include multi-vehicle, emergency military deployment, seat belt use, anti-lock brakes, military active duty, five-year accident-free, and defensive driver.

If you want affordable car insurance quotes, ask each company which discounts they offer. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of providers with the best discounts, follow this link.

Insurance coverage can be complex

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

• Do I pay less for low miles?
• Am I covered when using my vehicle for business?
• How much liability insurance is required?
• What vehicles should carry emergency assistance coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Does insurance cover tools stolen from my truck?
• Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Knowing the specifics of auto insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, emergency aid, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your S-15 Jimmy from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, theft and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for prosthetic devices, nursing services, ambulance fees, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Have the Midas touch

As you shop your coverage around, never buy less coverage just to save a little money. There have been many situations where someone sacrificed full coverage only to regret that it was a big mistake. The aim is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, policy non-renewal, not issuing a premium refund or questionable increases in premium. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

More affordable auto insurance can be sourced online and from local agencies, so you should compare both so you have a total pricing picture. Some insurance providers do not provide internet price quotes and many times these small insurance companies prefer to sell through independent agents.

For more information, feel free to browse these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)