1995 GMC S-15 Jimmy Insurance Quotes – 8 Policy Discounts

Finding low-cost insurance for a GMC S-15 Jimmy could be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to buy insurance and we’ll show you the absolute fastest way to compare rates for a GMC and obtain the cheapest rates either online or from local insurance agents.

The easiest way to compare rate quotes is to realize most larger insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide information such as if you lease or own, deductibles desired, what your job is, and the make and model of your vehicles. The data is instantly submitted to multiple companies and you should receive rate quotes instantly.

Get cheaper car insurance quotes with discounts

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Some trigger automatically at the time you complete a quote, but some discounts are required to be specially asked for in order for you to get them.

• Discount for Passive Restraints – Cars that have air bags can get savings as much as 30%.
• Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• ABS Braking Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
• Senior Citizens – Drivers over the age of 55 could receive a discount up to 10% for S-15 Jimmy coverage.
• Telematics Data Discounts – Insureds that choose to allow driving data collection to scrutinize driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
• Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
• Memberships – Belonging to a qualifying organization could earn you a nice discount when getting a auto insurance quote.
• Life Insurance – Select insurance carriers reward you with better prices if you take out life insurance.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

Popular car insurance companies and their possible discounts are detailed below.

• Geico has discounts for anti-lock brakes, daytime running lights, seat belt use, multi-vehicle, and anti-theft.
• MetLife includes discounts for good driver, good student, accident-free, defensive driver, claim-free, and multi-policy.
• State Farm offers discounts for student away at school, multiple policy, passive restraint, multiple autos, and anti-theft.
• Progressive policyholders can earn discounts including good student, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
• Mercury Insurance may offer discounts for multi-car, age of vehicle, professional/association, accident-free, multi-policy, and good student.
• 21st Century may have discounts that include air bags, teen driver, good student, automatic seat belts, and driver training.
• Allstate offers premium reductions for utility vehicle, defensive driver, anti-lock brakes, farm vehicle, new car, and passive restraint.

If you are trying to find cheap auto insurance quotes, ask all the companies which discounts they offer. A few discounts may not apply to policyholders in your area. To locate companies with significant discounts, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover if you will benefit from professional help.

• Am I covered when delivering products for my home-based business?
• Will filing a claim cost me more?
• Am I covered when driving someone else’s vehicle?
• Why am I required to buy liability insurance?
• Does coverage extend to a rental car in a foreign country?
• Do I pay less for low miles?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability – This protects you from damages or injuries you inflict on other people or property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your S-15 Jimmy resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your GMC S-15 Jimmy.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Don’t break the bank

When you buy auto insurance online, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Insureds leave their current company for any number of reasons including high prices, extreme rates for teen drivers, high rates after DUI convictions or not issuing a premium refund. Regardless of your reason, choosing a new company can be pretty painless.

We just presented a lot of ways to get a better price on 1995 GMC S-15 Jimmy insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates are with a small local company.

To learn more, link through to these articles:

• Keeping Children Safe in Crashes Video (iihs.org)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)