1996 GMC Jimmy Insurance Rates – 7 Tips to Save

Want the cheapest insurance rates for your GMC Jimmy? Trying to find the cheapest insurance for your GMC Jimmy could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare insurance rates and you need to know the best way to price shop coverage for a GMC and find the cheapest rates from both online companies and local agents.

If you have a current insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Locating more affordable insurance is quite easy. Drivers just need to understand how to find the lowest price over the internet.

Car Insurance Comparison Rates

Performing a rate comparison can be exhausting if you don’t understand the most efficient way to do it. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Many companies participate in a marketplace that enables customers to enter their coverage request one time, and each participating company returns a rated price for coverage. This system prevents you from having to do form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The only drawback to getting quotes like this is that you can’t choose which insurance companies you want pricing from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use identical coverages and limits for every quote you compare. If you enter mixed coverages it will be impossible to make an equal comparison.

Do drivers who switch really save $432 a year?

Consumers can’t ignore all the ads for cheaper car insurance from the likes of Geico, State Farm and Progressive. They all have a common claim that you’ll save big if you move your coverage to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a profitable customer might be between 30 and 50, is a homeowner, and has a short commute. Any driver who matches those parameters will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile must pay a more expensive rate and ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. This is how companies can advertise the way they do.

This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on GMC Jimmy insurance.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be asked for in order for you to get them. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Claim Free – Drivers who don’t have accidents pay less compared to frequent claim filers.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
  • Drive Less and Save – Keeping the miles down on your GMC could qualify for lower rates on the low mileage vehicles.
  • Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for Jimmy coverage.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurers offering insurance coverage discounts, click this link.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Am I better off with higher deductibles on my 1996 GMC Jimmy?
  • When should I drop full coverage on my 1996 GMC Jimmy?
  • How much liability coverage do I need in my state?
  • When do I need to add a new car to my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I hit a deer?
  • Does my 1996 GMC Jimmy qualify for pleasure use?
  • At what point should I drop full coverage?
  • Does coverage extend to Mexico or Canada?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Jimmy.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, funeral expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, funeral costs and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage 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 protects against things such as hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

Throughout this article, we presented many ideas to lower your 1996 GMC Jimmy insurance rates. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.

Insureds leave their current company for many reasons like lack of trust in their agent, policy non-renewal, an unsatisfactory settlement offer or even unfair underwriting practices. It doesn’t matter why you want to switch finding the right insurance provider is pretty simple and you could end up saving a buck or two.

Cheap insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Additional detailed information is available by following these links: