1999 GMC S-15 Jimmy Car Insurance Quotes

Trying to find better auto insurance rates for your GMC S-15 Jimmy? Searching for better insurance prices for a GMC S-15 Jimmy could be difficult, but you can learn the following methods to save time. There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to get price quotes on a GMC and get the lowest possible price from both online companies and local agents.

The quickest way to compare car insurance company rates utilizes the fact most of the larger companies pay for the opportunity to give free rates quotes. The only thing you need to do is give the companies some data such as how much education you have, whether you are married, if a SR-22 is needed, and what you do for a living. Your rating data is sent automatically to multiple companies and they respond with quotes instantly to find the best rate.

Don’t be fooled by advertising claims

Drivers constantly see and hear ads that claim the best prices from the likes of State Farm, Geico and Progressive. They all make an identical promise that drivers will save a bundle if you move your car insurance policy to them.

Is it even possible that every company can claim to save you money? It’s all in the numbers.

All the different companies require specific criteria for the right customer that will be a good risk. An example of this type of insured could be over age 30, has no prior claims, and drives a safe vehicle. Someone that matches those criteria will probably get cheap prices as well as save a lot if they switch.

Potential customers who don’t meet the ideal profile must pay a higher premium which translates to the customer not buying. The ads say “people who switch” not “all people who quote” save that much money. This is how insurance companies can make it sound like they have such great auto insurance rates. Because of the profiling, it’s extremely important to get insurance coverage quotes from several different companies. You cannot predict which company will provide you with the cheapest rates.

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Insurance price influencing factors

Many things are considered when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your credit history or how financially stable you are.

• Liability protection limits on your policy – The liability section of your policy kicks in if a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
• Pay lower costs if you’re married – Having a wife or husband can get you a discount on your insurance coverage bill. Marriage may mean you are more stable financially and statistics show married couples file fewer claims.
• File claims and pay more – If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Insurance companies give cheaper rates to insureds who are claim-free. Auto insurance is intended to be relied upon for claims that pose a financial burden.
• Responsible drivers pay less – Careful drivers get better rates as compared to careless drivers. Even one chargable violation may increase your cost substantially. People who have license-revoking citations such as DUI or reckless driving may find they need to complete a SR-22 with the DMV in their state in order to prevent a license revocation.
• High premiums for teen drivers – Older people are shown to be more cautious, cause fewer claims and accidents and are safer drivers.Teenage drivers have been known to be less responsible in a vehicle so insurance coverage rates are higher.

Discounts to earn cheap auto insurance rates

Car insurance is not cheap, but you may be missing some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few must be requested specifically before being credited. If you’re not getting every credit you qualify for, you could be saving more on your auto insurance.

• Club Memberships – Affiliation with a professional or civic organization is a simple method to lower premiums on your next auto insurance statement.
• Responsible Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote for S-15 Jimmy insurance compared to rates paid by drivers with frequent claims.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Accident-Free Discounts – Insureds with no claims or accidents get the best auto insurance rates as opposed to drivers who are more careless.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy auto and life insurance together.
• New Car Discount – Buying a new car model can get you a discount because newer vehicles keep occupants safer.
• Fewer Miles Equal More Savings – Fewer annual miles on your GMC may enable drivers to earn lower premium rates due to less chance of an accident.
• Renewal Discounts – A few insurance companies offer discounts for buying a new policy early. It can save you around 10%.
• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
• Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.

A little disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But any discount should help reduce your premiums.

A few popular companies and a summarized list of policyholder discounts are:

• Farmers Insurance has discounts for electronic funds transfer, youthful driver, pay in full, bundle discounts, early shopping, and homeowner.
• State Farm may include discounts for student away at school, driver’s education, defensive driving training, good driver, passive restraint, multiple autos, and accident-free.
• Liberty Mutual may offer discounts for newly married, newly retired, safety features, exclusive group savings, new vehicle discount, and new move discount.
• MetLife has savings for good student, multi-policy, accident-free, good driver, and claim-free.
• Progressive discounts include online quote discount, multi-policy, homeowner, online signing, multi-vehicle, good student, and continuous coverage.

When getting a coverage quote, ask every insurance company which discounts they offer. Discounts might not be offered in your area. To view insurers with the best auto insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine if you might need professional guidance.

• Do I pay less if my vehicle is kept in my garage?
• Who is covered by my policy?
• Am I covered if I drive in a foreign country?
• Does my car insurance cover rental cars?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I need rental car coverage?
• Should I rate my 1999 GMC S-15 Jimmy as pleasure use or commute?
• Should I sign the liability waiver when renting a car?
• Are rental cars covered under my policy?
• Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

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Parts of your insurance policy

Learning about specific coverages of your 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 even agents have difficulty translating policy wording.

Collision coverage

Collision insurance covers damage to your S-15 Jimmy resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants 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 important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, hospital visits, EMT expenses, rehabilitation expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like court costs, emergency aid, loss of income, bail bonds and structural damage. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount 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.

Be a smart shopper

People change insurance companies for a number of reasons such as not issuing a premium refund, high prices, questionable increases in premium and lack of trust in their agent. No matter why you want to switch, switching auto insurance companies can be pretty painless.

We’ve covered a lot of techniques to reduce 1999 GMC S-15 Jimmy insurance car insurance rates online. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Cheaper 1999 GMC S-15 Jimmy insurance can be bought online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies may not have online rate quotes and most of the time these small, regional companies work with independent agents.

More detailed auto insurance information is located in these articles:

• Rollover Crash FAQ (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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