Lower Your 1999 GMC S-15 Jimmy Insurance Rates

Consumers have a choice when looking for the best price on GMC S-15 Jimmy insurance. You can either spend your time driving around trying to get quotes or use the internet to make rate comparisons.

There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used GMC and find the lowest possible price from both online companies and local agents.

Consumers need to shop coverage around quite often because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest price on S-15 Jimmy coverage on your last policy you can probably find a lower rate today. So forget anything you know (or think you know) about insurance because you’re going to learn how to quote online to remove unneeded coverages and save money.

The purpose of this article is to instruct you on how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Drivers only need to know how to shop for auto insurance on the web.

Comprehensive Insurance Coverage Comparison Quotes

Getting a cheaper price on 1999 GMC S-15 Jimmy insurance isn’t really that difficult. You just need to take the time to get quotes from different insurance companies. This is very easy and can be done in several different ways.

  1. The single most time-saving way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form submissions for every insurance coverage company. Completing one form will return quotes from many national carriers. Just one form and you’re done.
  2. A more time consuming way to compare rate quotes is going to each company’s website to complete a price quote. For examples sake, we’ll assume you want rates from Farmers, Safeco and Travelers. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you are comparing the exact same coverage limits for every company. If each company quotes different liability limits it’s impossible to decipher which rate is best.

Can you really save $389 a year?

Consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. They all make an identical promise about savings if you move to their company.

How do they all make the same claim?

Insurance companies have a preferred profile for the driver they prefer to insure. For example, a preferred risk could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside these standards will have to pay more money which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently state the savings.

Because of the profiling, you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Factors determining your GMC S-15 Jimmy insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for car insurance. Knowing what determines base rates enables informed choices that may reward you with better car insurance rates.

Shown below are a partial list of the pieces car insurance companies consider when setting rates.

  • Pay less after the wedding – Getting married helps lower the price on car insurance. It means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • Your credit rating is important – Having a bad credit score is a big factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit rating is low, you could potentially save money when insuring your 1999 GMC S-15 Jimmy by improving your credit score.
  • Poor driving leads to higher costs – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • One company can mean more discounts – The majority of insurers provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
  • Where do you drive? – The higher the mileage driven every year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your S-15 Jimmy can result in significantly higher rates. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.
  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your GMC S-15 Jimmy is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Big city or small town – Residing in a small town can save you money when talking about car insurance. Less people living in that area means reduced accidents. City drivers have traffic congestion and a longer drive to work. More time commuting means more change of being in an accident.

Don’t overlook these discounts

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but a few need to be manually applied prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Low Mileage – Keeping the miles down on your GMC can earn lower rates on the low mileage vehicles.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on S-15 Jimmy coverage than less cautious drivers.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on insurance on S-15 Jimmy coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Defensive Driving Course – Taking a course in driver safety could save 5% or more if your company offers it.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce your overall premium however.

For a list of providers who offer insurance discounts, click here to view.

Is my situation unique?

When choosing the best insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Should I put collision coverage on all my vehicles?
  • Should I buy additional glass protection?
  • How can I get high-risk coverage after a DUI?
  • When can my company non-renew my policy?
  • Does my insurance cover my expensive audio equipment?
  • Is pleasure use cheaper than using my 1999 GMC S-15 Jimmy to commute?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Med pay and PIP coverage pay for bills such as surgery, chiropractic care, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1999 GMC S-15 Jimmy.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

Collision coverage covers damage to your S-15 Jimmy resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, vandalism, fire damage, rock chips in glass and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as attorney fees, loss of income, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as much as you can afford.

Make a quick buck

When trying to cut insurance costs, you should never buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage and discovered at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Insureds change insurance companies for any number of reasons including high prices, extreme rates for teen drivers, being labeled a high risk driver or even lack of trust in their agent. Whatever your reason, choosing a new company is easier than you think.

You just read many ways to reduce 1999 GMC S-15 Jimmy insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

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