2001 GMC S-15 Jimmy Car Insurance Quotes – 10 Tips for Best Rates

Consumers have many options when looking for the best price on GMC S-15 Jimmy insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the quickest way to price shop coverage for a new or used GMC and obtain the best price possible.

Smart consumers take time to take a look at other company’s rates quite often because prices go up and down regularly. Even if you got the best rates for S-15 Jimmy coverage a few years ago there is a good chance you can find better rates now. So forget all the misinformation about car insurance because I’m going to teach you the tricks you need to know to lower your annual insurance bill.

Don’t overlook these ten discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you get a quote, but some may not be applied and must be asked for before you will receive the discount. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for S-15 Jimmy coverage with a few insurance companies.
  • Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
  • Defensive Driving Course – Taking a defensive driving course could save 5% or more if you qualify.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount on your policy for S-15 Jimmy coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for S-15 Jimmy coverage than less cautious drivers.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will reduce the cost of coverage.

Car insurance companies that may have these discounts include:

Double check with each company which discounts they offer. All car insurance discounts may not be available in your state.

Is my situation unique?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my babysitter covered when using my vehicle?
  • Does my 2001 GMC S-15 Jimmy need full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I insured when driving a different vehicle?
  • Where can I find high-risk insurance?
  • How can I force my company to pay a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Learn about auto insurance coverages for a 2001 GMC S-15 Jimmy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, hail damage, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your GMC S-15 Jimmy.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Liability coverage

This coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like chiropractic care, ambulance fees and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Be Smart and Buy Smart

Discount 2001 GMC S-15 Jimmy insurance can be sourced online as well as from independent agents, and you should be comparing both to have the best selection. A few companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just covered some good ideas how you can compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with the smaller companies.

Much more information about insurance can be read at the links below