1993 GMC S-15 Jimmy Insurance Quotes

Searching for cheaper insurance rates for your GMC S-15 Jimmy? Nobody I know looks forward to paying for insurance, particularly when the cost is way too high.

There is such a variety of auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, it makes it harder to get the best deal.

You should take the time to shop coverage around periodically because rates change quite often. Even if you got the best deal on S-15 Jimmy insurance last year there may be better deals available now. So forget all the misinformation about insurance because you’re about to learn one of the easiest ways to lower your annual insurance bill.

Factors influencing GMC S-15 Jimmy insurance rates

Consumers need to have an understanding of the different types of things that go into determining insurance coverage rates. Knowing what determines base rates enables informed choices that will entitle you to big savings.

  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. Women and men cause accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your GMC S-15 Jimmy has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • More people means more accidents – Being located in less populated areas can save you money when insuring your vehicles. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles you can purchase when buying insurance coverage. Coverages for vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
  • How’s your driving record? – Your driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Even one speeding ticket can bump up the cost by twenty percent. Drivers who get severe violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Frequent insurance coverage claims increase rates – Companies generally give lower rates to people who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Mature drivers pay less – Teenage drivers have a tendency to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.

Finding Insurance Deals

To find the best insurance prices, there are several ways to compare rate quotes and find the best price. The simplest method to find competitive 1993 GMC S-15 Jimmy insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotation requests for each company. Completing one form gets you price quotes from multiple low-cost companies.
  2. A different way to analyze rates is going to each company website to request a price quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, Esurance and American Family. To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but compare identical quote information with every price quote. If each company quotes different limits and deductibles on each one it will be next to impossible to make an equal comparison. Quoting even small variations in coverage limits may cause a big price difference. It’s important to know that quoting more will improve the odds of getting a better price.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using.

  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on S-15 Jimmy insurance depending on your company.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to frequent claim filers.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers offering auto insurance discounts, follow this link.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Does coverage extend to Mexico or Canada?
  • Should I carry comprehensive and collision coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What is no-fault insurance?
  • What is the minimum liability in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

What auto insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, hospital visits, funeral costs, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This coverage will pay to fix damage to your S-15 Jimmy caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hail damage, vandalism, hitting a bird and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability – Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like structural damage, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Buy Smart and Save

Cheaper 1993 GMC S-15 Jimmy insurance can be found both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just showed you some good ideas how you can lower your insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small mutual company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Geico and State Farm.

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