Cheaper 1997 GMC S-15 Jimmy Car Insurance Quotes

Want the cheapest car insurance rates for your GMC S-15 Jimmy? Finding lower premiums on car insurance can be challenging for consumers new to shopping for insurance online. Drivers have so many choices that it can easily become a real hassle to find lower rates.

It is always a good idea to price shop coverage on a regular basis since rates trend upward over time. Even if you think you had the lowest rates for S-15 Jimmy insurance a year ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance on the internet, so I’m going to show you some great ways to save money.

Discounts to lower GMC S-15 Jimmy insurance rates

Companies that sell car insurance do not list every discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find ways to save on insurance.

  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Keeping the miles down on your GMC could qualify for lower rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
  • No Claims – Good drivers with no accidents pay much less as compared to bad drivers.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Can I drive in Mexico and have coverage?
  • If my pet gets injured in an accident are they covered?
  • Do I need PIP coverage since I have good health insurance?
  • If my 1997 GMC S-15 Jimmy is totaled, can I afford another vehicle?
  • Is my trailer covered?
  • How do I insure my teen driver?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a broken windshield and damage from getting keyed. The maximum amount 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 it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your GMC S-15 Jimmy.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability insurance protects you from damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like structural damage, repair bills for other people’s vehicles, medical expenses, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle, scraping a guard rail and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like pain medications, hospital visits, ambulance fees, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

In conclusion

Throughout this article, we presented a lot of ways to lower your 1997 GMC S-15 Jimmy insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a small mutual company.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, being labeled a high risk driver and even poor customer service. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Additional detailed information can be read at these sites: