How Much Does 1991 GMC S-15 Jimmy Insurance Cost?

Scraping up a payment for overpriced GMC S-15 Jimmy insurance can consume your budget and make it tough to pay other bills. Performing a rate comparison can lower your rates and help to ensure you are getting the best deal.

There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have a choice, it can be more difficult to find a good deal.

Buying car insurance is easy if you know what you’re doing. Just about anyone who has to buy insurance stands a good chance to be able to save money. But drivers must know the methods companies use to determine prices because it can help you find the best coverage.

How to buy insurance coverage online

When shopping for insurance coverage there are multiple ways of comparing rate quotes from many insurance coverage companies in your state. The simplest method to comparison shop involves getting comparison quotes online. This can be accomplished using a couple different methods.

1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form saves time by eliminating separate forms for each company you want a rate for. Just one form will get you price quotes instantly.
2. Another way to compare prices requires a visit to each individual company website and go through the quote process again. For instance, let’s say you want to see prices from Allstate, Geico and GMAC. You would be required to spend time on each company’s site and type in your information over and over, which is why most consumers use the first method.

   For a list of companies in your area, click here.

3. If you have time to kill, the last way to get price estimates is driving to and from local insurance agencies. The ability to quote online eliminates the need for an insurance agent unless you have a complicated situation and need the peace of mind that only a licensed agent can provide. Although you can compare online quotes but buy the policy through an agent.

The method you choose is up to you, but double check that you are using identical coverage limits for each comparison quote. If you are comparing different data it will be impossible to determine which company has the best rates. Slightly different coverage limits could throw off the whole comparison. Just keep in mind that comparing more rates from different companies helps improve the odds of finding the best offered rates. Some insurance companies are not set up to provide online rate quotes, so it’s necessary to compare rates from those companies as well.

Affordable insurance coverage quotes with discounts

Insurance coverage is expensive, but you may qualify for discounts that many consumers don’t even know exist. Certain credits will be shown when you complete an application, but some must be asked about prior to receiving the credit.

• Active Service Discounts – Being on active deployment in the military could qualify you for better prices.
• Telematics Data – Insureds that choose to allow driving data collection to analyze driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.
• Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less on S-15 Jimmy coverage compared to rates paid by drivers with frequent claims.
• Life Insurance – Insurance companies who offer life insurance give a break if you buy a life policy as well.
• Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more.

Keep in mind that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A few popular companies and some of the discounts can be found below.

• Geico discounts include multi-vehicle, driver training, air bags, emergency military deployment, and membership and employees.
• SAFECO offers discounts for drive less, anti-lock brakes, bundle discounts, teen safe driver, multi-car, safe driver, and homeowner.
• State Farm has discounts for safe vehicle, anti-theft, passive restraint, good student, good driver, and defensive driving training.
• MetLife may have discounts that include defensive driver, good driver, claim-free, good student, and multi-policy.
• 21st Century has savings for theft prevention, teen driver, anti-lock brakes, early bird, and driver training.
• Progressive may include discounts for online quote discount, multi-policy, online signing, good student, multi-vehicle, continuous coverage, and homeowner.

Double check with every insurance company to give you their best rates. Some discounts listed above may not be available in every state. If you would like to view insurance companies with the best discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions can help discover if you will benefit from professional help.

• How much liability insurance is required?
• Is business property covered if stolen from my car?
• Why am I required to buy high-risk coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Which companies will insure high-risk drivers?
• Is my custom paint covered by insurance?
• Does having multiple vehicles earn me a discount?
• Am I covered by my spouse’s policy after a separation?
• How can I get my company to pay me more for my totalled car?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Collision coverage

Collision coverage covers damage to your S-15 Jimmy from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, fire damage, theft and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, 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. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as emergency aid, funeral expenses, court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 GMC S-15 Jimmy.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses for prosthetic devices, hospital visits, dental work and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible