1999 GMC Jimmy Insurance Quotes – 9 Policy Discounts

Beginners to comparing insurance rates online might discover finding the cheapest car insurance is harder than they anticipated.

It’s a good idea to take a look at other company’s rates quite often because rates are adjusted regularly by insurance companies. Even if you think you had the best rates on Jimmy coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.

Compare Insurance Coverage Costs

Most companies like Allstate, Geico and Progressive allow you to get coverage price quotes on their websites. Obtaining pricing is fairly straightforward as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the company’s rating system collects information on your driving record and credit history and returns a price.

This helps simplify price comparisons, but having to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to perform this step if you are searching for a lower rate.

The quickest way to locate the lowest prices uses one form to obtain quotes from a lot of companies. The form is fast, reduces the work, and makes online price comparison a lot less work. After sending your information, it is quoted and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare rates now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you copy coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will get a rate comparison using the exact same coverages.

The fine print in insurance ads

Companies like Allstate, Geico and Progressive regularly use ads on television and other media. All the ads have a common claim of big savings if you move to them. How do they all make the same claim?

Insurance companies can use profiling for the type of customer that makes them money. A good example of a profitable customer might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile will have to pay higher prices and this can result in the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings. Because of the profiling, drivers should get as many comparisons as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

You probably qualify for some discounts

Auto insurance companies don’t always publicize every discount very well, so we took the time to find both the well known as well as the least known ways to save on car insurance.

  • One Accident Forgiven – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Jimmy coverage than less cautious drivers.
  • E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurers with the best car insurance discounts, click here.

There’s no such thing as the perfect policy

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Are rental cars covered under my policy?
  • Is motorclub coverage worth it?
  • What is the rate difference between pleasure use and commuting?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your GMC Jimmy.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance – This coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, repair costs for stationary objects, loss of income and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This will pay to fix damage to your Jimmy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

We just covered a lot of tips how to shop for 1999 GMC Jimmy insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

Budget-conscious insurance can be purchased both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Additional detailed information can be read at these sites: