Lower Your 1997 GMC Jimmy Insurance Rates

Having to pay for pricey insurance can take a big chunk out of your budget and force you to tighten up your finances. Doing a price comparison can save money and help to make sure you’re not throwing money away.

Drivers have multiple insurers to insure vehicles with, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

It’s a good habit to do rate comparisons quite often since prices change regularly. Even if you got the lowest rates on Jimmy coverage a few years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because you’re going to learn one of the best ways to find better rates and still maintain coverage.

Affordable auto insurance rate quotes online

There are several ways to shop for auto insurance, and some are less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the web to get prices fast.

Many popular insurance companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To get comparison pricing now click to open in new window.

The only drawback to getting quotes like this is that consumers can’t choose the insurers you want to price. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, try to use identical coverages and limits for every quote you compare. If you have different liability limits it will be impossible to determine the lowest rate for your GMC Jimmy.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Do I pay less if my vehicle is kept in my garage?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is motorclub coverage worth it?
• Am I covered if I hit a deer?
• Do all my vehicles need collision coverage?
• I have a DUI can I still get coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Can I rent a car in Mexico?
• How much liability coverage do I need in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

UM/UIM Coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 1997 GMC Jimmy.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, damage from getting keyed, fire damage and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your Jimmy resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like bail bonds, medical services and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.