1998 GMC S-15 Jimmy Car Insurance Rates – 8 Tricks for Best Quotes

Do you get exhausted from not being able to scrape enough together to pay auto insurance each month? Your situation is no different than many other consumers. Due to the large number of different company options, it can be impossible to pick a lower cost company.

How to compare car insurance quotes

Finding a lower price on 1998 GMC S-15 Jimmy insurance is surprisingly easy. You just need to invest a few minutes to compare rate quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

1. The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating separate forms for each price estimate. A single form will return price quotes direct from many companies.
2. A harder way to get quotes online is spending the time to visit each company website and get a separate price quote. For example, we’ll pretend you want to see prices from Liberty Mutual, 21st Century and State Farm. You would need to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is quicker.

   To view a list of companies in your area, click here.

3. Even if you have time, the least recommended method to comparison shop is to waste gas driving to different agent offices. The ability to buy insurance online makes this unnecessary unless your situation requires the trained advice that only a licensed agent can provide. Some companies do allow you to obtain prices from the web but buy the policy through an agent.

The approach you take is up to you, just double check that you are using nearly identical coverage limits with every price quote. If you compare higher or lower deductibles you will not be able to determine which rate is truly the best.

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Get cheaper insurance rates with discounts

Companies that sell car insurance do not list all disounts in a way that’s easy to find, so the below list has both well-publicized and the more hidden discounts that may be available.

• Discount for Multiple Policies – If you have multiple policies with the same company they may give you a discount of nearly 15% which can help you find the cheapest car insurance.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
• Good Grades Discount – Being a good student may save you up to 25%. The discount lasts well after school through age 25.
• Multiple Cars – Drivers who insure multiple cars on a single policy qualifies for this discount.
• Federal Government Employee – Federal government employees can earn a discount up to 10% for S-15 Jimmy insurance depending on your company.
• ABS Brakes – Cars that have anti-lock braking systems can reduce accidents and will save you 10% or more.
• Low Mileage – Maintaining low annual mileage may enable drivers to earn lower rates on the low mileage vehicles.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.

It’s important to understand that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.

Some of the larger companies who might offer some of the discounts shown above are:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

When getting a coverage quote, ask each company which discounts they offer. Some discounts listed above might not be offered in every state.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether or not you could use an agent’s help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• When should I remove comp and collision on my 1998 GMC S-15 Jimmy?
• Can I afford to buy a different vehicle if my 1998 GMC S-15 Jimmy is totaled?
• Am I covered when delivering products for my home-based business?
• Does my insurance cover a custom paint job?
• Is my teenager covered with friends in the car?
• How much liability coverage do I need in my state?
• Does my policy pay for OEM or aftermarket parts?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a GMC S-15 Jimmy

Understanding the coverages of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. 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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, medical expenses, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses such as surgery, chiropractic care, rehabilitation expenses, hospital visits and funeral costs. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hitting a deer, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your S-15 Jimmy from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

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Have the Midas touch

Cost effective 1998 GMC S-15 Jimmy insurance can be purchased on the web in addition to local insurance agencies, so you need to shop car insurance with both so you have a total pricing picture. A few companies don’t offer price quotes online and most of the time these smaller providers prefer to sell through independent agents.

You just learned a lot of techniques to get a better price on 1998 GMC S-15 Jimmy insurance. The key thing to remember is the more you quote car insurance, the better chance you’ll have of finding the cheapest car insurance. You may even discover the best rates are with some of the smallest insurance companies. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Additional information is available below:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Prom Night Tips for Teen Drivers (State Farm)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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