1995 GMC Jimmy Insurance Cost

Finding cheaper insurance for your GMC Jimmy could be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to shop for insurance and we’ll show you the quickest way to quote coverages for a new or used GMC and find the best price possible from both online companies and local agents.

It is always a good idea to get comparison quotes occasionally because rates change quite often. If you had the lowest price on Jimmy insurance six months ago there may be better deals available now. So forget anything you know (or think you know) about insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Finding affordable insurance coverage can be fairly easy. If you have a policy now or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Drivers only need an understanding of the proper way to compare rates on the web.

Save on 1995 GMC Jimmy insurance

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. A few discounts will automatically apply at quote time, but a few must be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Student in College – Kids in college who live away from home and do not have a car can receive lower rates.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.

Keep in mind that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask each insurance company how you can save money. Discounts might not apply in every state.

How to Get Car Insurance Comparison Quotes

Effectively comparing car insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quotation requests for each company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing the exact same information with every price quote. If you are comparing higher or lower deductibles then you won’t be able to decipher which rate is best.

GMC Jimmy rates are in the details

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your GMC is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Special features that cut premiums – Owning a car with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • You might want pay the small claims yourself – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance companies provide cheaper rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Consolidate policies to earn discounts – Many insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money.
  • Never allow your policy to lapse – Driving without insurance is against the law and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your GMC from damage. A few examples of covered claims would be running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more you have to pay, the lower your rates will be on Jimmy insurance.
  • Older drivers pay less – Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • What is the minimum liability in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I benefit by insuring my home with the same company?
  • Is my nanny covered when driving my vehicle?
  • Does my car insurance cover rental cars?
  • How do I buy GAP insurance?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but a few of them apply 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’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays for damage to your Jimmy caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1995 GMC Jimmy.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, structural damage, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, falling objects, a tree branch falling on your vehicle and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, dental work and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Final thoughts

You just read many ways to lower your 1995 GMC Jimmy insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, policy cancellation, poor customer service and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Low-cost insurance can be found both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More tips and info about insurance coverage is located in these articles: