Cheap 1990 GMC S-15 Jimmy Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Trust us, you’re not the only one. You have so many car insurance companies to buy insurance from, and although it’s nice to have a choice, it makes it harder to find the best rates.

Consumers need to shop coverage around periodically since insurance rates are usually higher with each renewal. Even if you think you had the best price on S-15 Jimmy insurance a few years ago you can probably find a better price now. So just ignore everything you know about insurance coverage because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

This information will help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Vehicle owners only need to know the tricks to compare company rates on the web.

Discounts to lower GMC S-15 Jimmy insurance rates

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Some trigger automatically when you purchase, but less common discounts must be inquired about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • No Accidents – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because owning a home demonstrates responsibility.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on S-15 Jimmy insurance than their less cautious counterparts.
  • 55 and Retired – Older drivers may be able to get better car insurance rates on S-15 Jimmy insurance.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

Companies that may have some of the above discounts include:

Double check with each company which discounts you may be entitled to. Discounts may not be available in every state.

Your GMC S-15 Jimmy insurance rate is a complex equation

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get big savings.

The following are a partial list of the pieces that factor into your rates.

  • Where you live – Residing in less populated areas can be a good thing when buying auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances translates into higher accident risk.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women tend to get into accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
  • Low deductibles can be expensive – The deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, damage caused by hail, and burglary. The more the insured has to pay upfront, the lower your rates will be on S-15 Jimmy insurance.
  • More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies award discounts to drivers who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
  • Older drivers pay less – Mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Young drivers have a tendency to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Car features impact rates – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Occupation reflects on rates – Occupations such as doctors, executives and accountants have higher rates than average because of high stress and lengthy work days. On the flip side, jobs such as farmers, athletes and the unemployed get better rates on S-15 Jimmy insurance.
  • Pleasure use or commuting – The more miles you rack up on your GMC in a year the more you will pay for auto insurance. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. An improperly rated S-15 Jimmy can result in significantly higher rates. Double check that your auto insurance policy is showing how each vehicle is driven.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if you might need an agent’s assistance.

  • If I drive on a suspended license am I covered?
  • How much can I save by bundling my policies?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my 1990 GMC S-15 Jimmy need full coverage?
  • Why does it cost so much to insure a teen driver?
  • At what point should I drop full coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all make the same claim about savings if you switch your policy.

How do they all make almost identical claims?

All companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured could be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer who fits that profile will get very good rates and as a result will probably save a lot of money.

Drivers who don’t meet the requirements will be charged a higher premium and this can result in business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings.

That is why it is so important to compare many company’s rates. Because you never know the company that will fit your personal profile best.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1990 GMC S-15 Jimmy.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for pain medications, hospital visits, dental work and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hail damage, damage from getting keyed and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical expenses, attorney fees, structural damage, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision coverage – This coverage covers damage to your S-15 Jimmy resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

And the best car insurance company is…

We covered some good ideas how you can compare 1990 GMC S-15 Jimmy insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Cheap insurance is possible on the web in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

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