1998 GMC S-15 Jimmy Insurance Cost

Trying to find the cheapest car insurance rates for your GMC S-15 Jimmy? Have you had enough of sacrificing to insure your GMC every month? You are no different than many other drivers.

With so many car insurance companies to choose from, it can be impossible to pick the cheapest insurance company.

The purpose of this post is to help educate you on how car insurance quotes work and some tips to save money. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Nevertheless, car owners benefit from understanding how the larger insurance companies sell insurance online and apply this information to your search.

Don’t miss with these discounts

Companies offering auto insurance don’t always advertise their entire list of discounts in a way that’s easy to find, so here is a list some of the best known as well as some of the hidden discounts that may be available.

  • Life Insurance – Larger companies have a small discount if you purchase life insurance from them.
  • Own a Home – Just being a homeowner can earn you a little savings because maintaining a house is proof of financial responsibility.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Paperless Signup – Many insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Distant Student – Kids who are attending college and leave their car at home can be insured at a reduced rate.
  • 55 and Retired – Seniors may receive a small decrease in premiums for S-15 Jimmy insurance.
  • Multiple Cars – Having all your vehicles on one policy can reduce rates for all insured vehicles.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way.

If you would like to view insurers who offer cheap auto insurance quotes, click here.

Your situation helps dictate your coverage

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Do I need more liability coverage?
  • Am I getting all the discounts available?
  • Does my car insurance cover rental cars?
  • What happens if I owe more than my 1998 GMC S-15 Jimmy is worth?
  • Am I covered when driving in Canada or Mexico?
  • Should I have a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • Can my babysitter drive my car?
  • Is my custom paint covered by insurance?

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, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a GMC S-15 Jimmy

Knowing the specifics of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical expenses, bail bonds, repair costs for stationary objects, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like nursing services, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your GMC S-15 Jimmy.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

This pays for damage to your S-15 Jimmy resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, vandalism, a tree branch falling on your vehicle and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote more, save more

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many cases, an insured cut full coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost while still protecting your assets.

Cost effective 1998 GMC S-15 Jimmy insurance is attainable online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. A few companies may not provide online price quotes and many times these regional carriers only sell coverage through independent agents.

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