1990 GMC S-15 Jimmy Car Insurance Rates

Scraping up a payment for pricey GMC S-15 Jimmy insurance can eat up your bank account and force you to make sacrifices. Performing a rate comparison is recommended to cut your insurance bill.

People have multiple insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to find the lowest rates.

Consumers need to compare rates periodically because insurance coverage prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on S-15 Jimmy coverage a few years ago you can probably find a better rate now. Ignore everything you know about insurance coverage because you’re about to find out how to quote online to lower your rates without sacrificing coverage.

Use discounts on car insurance

Car insurance companies don’t necessarily list every policy discount very clearly, so the list below contains both the well known as well as the least known ways to save on car insurance.

• Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared with drivers who are more careless.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on S-15 Jimmy coverage but check with your company.
• Renewal Discounts – Some car insurance companies give discounts for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
• Defensive Driver Discount – Participating in a safe driver class can save you 5% or more and also improve your driving technique.
• Discount for New Cars – Buying a new car instead of a used car can get you a discount because new model year vehicles are generally safer.
• Discounts for Responsible Drivers – Safe drivers could pay up to 40% less on S-15 Jimmy coverage than less cautious drivers.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Military Discounts – Being on active deployment in the military may qualify for rate reductions.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.

It’s important to note that most discounts do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

Large car insurance companies and a partial list of their discounts are outlined below.

• AAA offers premium reductions for multi-car, pay-in-full, good driver, good student, and education and occupation.
• Progressive has discounts for online signing, online quote discount, multi-vehicle, multi-policy, and homeowner.
• State Farm offers discounts for Steer Clear safe driver discount, passive restraint, anti-theft, defensive driving training, multiple autos, Drive Safe & Save, and safe vehicle.
• Esurance may include discounts for safety device, good driver, Pac-12 alumni, DriveSense, homeowner, good student, and emergency road assistance.
• Nationwide may offer discounts for business or organization, defensive driving, multi-policy, family plan, Farm Bureau membership, good student, and accident-free.

If you need cheap auto insurance quotes, ask every insurance company which discounts you qualify for. A few discounts may not apply in your state. If you would like to see a list of car insurance companies that offer the discounts shown above, follow this link.

The best way to compare rates is to take advantage of the fact most of the larger companies pay for the opportunity to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information including daily mileage, if you have an active license, if you’re married, and how much education you have. Those rating factors is instantly submitted to many different companies and you get price estimates almost instantly.

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How insurance companies calculate GMC S-15 Jimmy insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help determine your insurance coverage rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find lower premium levels. Multiple criteria are part of the calculation when quoting car insurance. Some are obvious like a motor vehicle report, but other factors are more obscure like your vehicle usage or your commute time.

• Better premiums with anti-theft devices – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
• Annual miles is a factor – The higher the mileage driven in a year’s time the more you will pay for insurance coverage. Most companies rate vehicles based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your insurance coverage coverage shows the correct usage for each vehicle, because it can save money. Improper usage on your S-15 Jimmy can result in significantly higher rates.
• Choose high crash test ratings and save – Vehicles that have high safety ratings cost less to insure. Safer cars reduce injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If the GMC S-15 Jimmy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Low stress vocation equals lower premiums – Jobs like lawyersair traffic controllers and medical professionals generally have higher premiums than the average policyholder due to high stress levels and lots of time spent away from family. On the flip side, careers such as actors, historians and retirees generally pay rates lower than average on S-15 Jimmy coverage.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• Does my 1990 GMC S-15 Jimmy need full coverage?
• Can I afford low physical damage deductibles?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my camper covered by my car insurance policy?
• Am I covered if hit by an uninsured driver?
• Is my trailer covered?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, ambulance fees, rehabilitation expenses, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC S-15 Jimmy.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, court costs and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle, rolling your car, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

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Have money to burn

More affordable insurance coverage can be sourced on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not offer the ability to get quotes online and these small insurance companies only sell coverage through independent agents.

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest cost while still protecting your assets.

To read more, feel free to visit the following helpful articles:

• Auto Crash Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Liability Insurance Coverage (Nationwide)
• Teen Driving and Texting (State Farm)

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