Lower Your 1990 GMC S-15 Insurance Rates

Finding lower rates for insurance coverage is always difficult for consumers new to comparison shopping online. People have so many companies to choose from that it can be a real hassle to locate the lowest price.

Quick Auto Insurance Quotes

Most major insurance companies such as Progressive, Geico, Allstate and State Farm quote prices for coverage directly from their websites. Getting online quotes is quite easy as you just type in your required coverages into a form. Once you submit the form, the system automatically orders your credit score and driving record and quotes a price determined by many factors.

Online quotes helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to get lower prices.

There is an easier way!

The smarter way to compare rates is to use a quote form to get prices from multiple companies. The form is fast, eliminates repetitive work, and makes comparison shopping a lot less work. As soon as the form is sent, it gets priced and you are able to buy your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process only takes a few minutes and may result in a nice savings.

To find out how much you’re overpaying now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate coverages and limits as close as possible to your current policy. This guarantees you’re receiving a fair comparison based on similar coverages.

Advertising myths

Companies like Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. All the ads say the same thing about savings after switching to their company. How can each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of customer that earns them a profit. An example of a desirable insured could be between the ages of 30 and 50, owns a home, and has a short commute. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t meet the requirements must pay more money and ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that much. That’s the way insurance companies can advertise the savings. This illustrates why drivers must compare many company’s rates. You cannot predict which insurance companies will have the lowest GMC S-15 insurance rates.

Cut prices on 1990 GMC S-15 insurance

Car insurance companies don’t necessarily list all available discounts very well, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Homeowners Pay Less – Owning a house can save you money because owning a home shows financial diligence.
  • Low Mileage Discounts – Fewer annual miles on your GMC can earn better rates on cars that stay parked.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

To see a list of insurers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Is upholstery damage covered by car insurance?
  • Are rock chip repairs covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I get a multi-policy discount?
  • Does my 1990 GMC S-15 qualify for pleasure use?
  • Why am I required to buy high-risk coverage?
  • What is PIP insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision insurance will pay to fix damage to your S-15 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from flooding, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, hospital visits, chiropractic care, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like medical services, bail bonds and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Do the work, save more money

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at an affordable rate.

Insureds who switch companies do it for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, policy cancellation and high prices. It doesn’t matter what your reason, switching companies is easier than you think.

The cheapest 1990 GMC S-15 insurance is definitely available both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about auto insurance can be found on the following sites: