View 1994 GMC S-15 Jimmy Car Insurance Quotes

Searching for cheaper car insurance rates for your GMC S-15 Jimmy? Nobody I know looks forward to paying premiums for car insurance, especially knowing they could find lower prices if they just compared rates. Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to learn the proper methods to compare price quotes online.

Compare insurance coverage quotes

There are a lot of ways to compare insurance coverage prices but there is one way that is less labor-intensive and much quicker. You could waste time discussing policy coverages with agents in your area, or you could use online quotes to quickly compare rates.

All the larger companies take part in a program that allows shoppers to submit one quote, and each company can provide price quotes based on that information. This system prevents you from having to do quote requests to every company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose the insurers you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you compare equivalent coverage information for each comparison quote. If the quotes have different deductibles it will be next to impossible to get a fair rate comparison.

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Do drivers who switch really save?

Drivers can’t ignore all the ads that promise big savings for switching by companies like Geico, State Farm and Progressive. All the companies make the point that you can save if you move your coverage.

How is it possible that every company can cost less than your current company? This is the way they can do it.

All companies give the cheapest rates for the right customer that will not have excessive claims. A good example of a profitable customer may need to be a female over age 40, has no driving citations, and has a short commute. Anyone who matches that profile will get very good prices and therefore will cut their rates if they switch.

Potential insureds who do not match those standards will probably have to pay more expensive rates and business not being written. The trick companies use is to say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can make the claims of big savings.

Different companies use different criteria so you really should do a price quote comparison at every renewal. It’s not possible to predict the company that will provide the lowest premium rates.

Auto insurance rates and discounts

Car insurance is not cheap, but you may qualify for discounts that many consumers don’t even know exist. Some discounts apply automatically when you purchase, but a few must be asked about prior to getting the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

• Life Insurance – Companies who offer life insurance give a break if you buy a life policy as well.
• Discount for Multiple Policies – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote car insurance for S-15 Jimmy coverage with a few auto insurance companies.
• Accident Forgiveness – but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
• Active Service Discounts – Being on active duty in the military could mean lower rates.
• Claim Free – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote in comparison with policyholders that have many claims.
• Anti-lock Brake Discount – Vehicles with ABS and/or traction control are safer to drive and will save you 10% or more.
• Early Signing – Some companies give discounts for switching companies before your current coverage expires. This discount can save up to 10%.
• Smart Student Discounts – Being a good student may save you up to 25%. You can use this discount normally up until you turn 25.

Just know that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous.

If you would like to see a list of providers with significant discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need professional guidance.

• Should I get collision insurance on every vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is no-fault insurance?
• Is my dog or cat covered if injured in an accident?
• Should I buy additional glass protection?
• Should I drop comprehensive coverage on older vehicles?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my insurance cover a custom paint job?
• What is medical payments coverage?

If you’re not sure about those questions then you might want to talk to 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 It is quick, free and can help protect your family.

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Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your GMC S-15 Jimmy.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to 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

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, theft, rock chips in glass and vandalism. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Stretch your dollar

When searching for cheaper car insurance quotes, it’s very important that you do not buy poor coverage just to save money. In many cases, someone dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Some insurance companies don’t offer online rate quotes and most of the time these regional insurance providers only sell through independent agencies. Budget-conscious 1994 GMC S-15 Jimmy insurance is available from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

Additional information can be found at these links:

• Safety Belts FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)

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