1999 GMC S-15 Jimmy Insurance Rates – 8 Tips to Save

Shoppers have options when shopping for low-cost GMC S-15 Jimmy insurance. They can either waste time driving around getting price quotes or leverage the internet to find the lowest rates.

There is a better way to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage for your GMC and get the best price possible from local insurance agents and online providers.

It’s a good idea to take a look at other company’s rates once or twice a year since insurance rates change regularly. If you had the best premium rates on S-15 Jimmy insurance a couple years back a different company probably has better prices today. Ignore everything you know about auto insurance because we’re going to show you the quickest way to save money, get proper coverage and the best rates.

Discounts can really help lower rates

Some companies don’t always advertise all possible discounts in an easy-to-find place, so the below list has a few of the more common as well as the least known credits that you can use to lower your rates.

  • Low Miles Discount – Driving fewer miles may enable drivers to earn slightly better rates than normal.
  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote auto insurance on S-15 Jimmy insurance depending on your company.
  • Multi-policy Discount – When you combine your homeowners and auto insurance and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Own a Home and Save – Owning a house can help you save on insurance coverage due to the fact that maintaining a home requires a higher level of personal finance.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course if it’s offered in school.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Switch and Save Discount – Some companies provide a discount for buying a new policy before your current expiration date. It can save you around 10%.

Discounts lower rates, but most credits do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Some companies that possibly offer most of these discounts possibly include:

If you are trying to find inexpensive auto insurance quotes, ask every insurance company which discounts can lower your rates. Savings might not apply in your area. To choose insurance companies who offer discounts, click here.

Will just any policy work for me?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I have a commercial auto policy?
  • When should I remove comp and collision on my 1999 GMC S-15 Jimmy?
  • When should I not file a claim?
  • Does my car insurance cover rental cars?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

UM/UIM Coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC S-15 Jimmy.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Coverage for liability

This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire 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 and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism, damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

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

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like hospital visits, nursing services, pain medications and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health 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 not universally available but can be used in place of medical payments coverage

More quotes. Lower rates.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.

Some insurance companies do not offer the ability to get a quote online and most of the time these regional carriers only sell through independent agents. Lower-priced insurance can be found both online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis.

Consumers change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, unfair underwriting practices or even delays in responding to claim requests. Regardless of your reason, finding a new company is actually quite simple.

Additional information can be found below: