1991 GMC S-15 Jimmy Car Insurance Cost – 7 Policy Discounts

Paying for high-priced GMC S-15 Jimmy insurance can stress out your accounts and force you to tighten up your finances. Comparing price quotes is a fast and free way to cut your insurance bill.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with TV and radio ads and it is challenging if not impossible to sift through the bull and find the best price available.

If you have insurance now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need an understanding of how to find the lowest price over the internet.

Insurance quotes comparison

Shopping for lower insurance rates can be a daunting task if you don’t know the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program where prospective buyers submit one quote, and every company then gives them pricing. This eliminates the need for quotation requests to each company. To submit your quote information now, click here (opens in new window).

The one downside to comparing rates this way is that you can’t choose which companies you want to price. So if you prefer to choose specific providers to receive pricing from, we have a page of insurance companies in your area. Click to view list.

The approach you take is up to you, just double check that you are using identical coverages on every price quote you get. If you are comparing different liability limits you can’t possibly determine which rate is truly the best.

These seven discounts can reduce insurance coverage rates

Some insurers don’t list all possible discounts very well, so the list below gives a summary of some of the best known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company they may give you a discount of nearly 15% which can help you find affordable car insurance.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for S-15 Jimmy insurance compared to rates paid by drivers with frequent claims.
  • Accident Waiver – but some companies like Progressive, Allstate, and GEICO will let one accident slide before raising your premiums so long as you are claim-free for a specific time period.
  • Mature Driver Discount – If you’re over the age of 55, you may qualify for lower premium rates for S-15 Jimmy insurance.
  • Sign Early and Save – A few insurance coverage companies allow discounts for switching to them before your current coverage expires. It can save you around 10%.
  • Safety Course Discount – Successfully completing a class that teaches safe driver techniques is a good idea and can lower rates depending on where you live.

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

A few of the larger companies and a partial list of their discounts are included below.

  • Progressive offers discounts including multi-vehicle, good student, online signing, continuous coverage, multi-policy, online quote discount, and homeowner.
  • AAA may have discounts that include multi-policy, pay-in-full, anti-theft, good student, and education and occupation.
  • Farmers Insurance offers discounts for distant student, early shopping, business and professional, switch companies, electronic funds transfer, bundle discounts, and good student.
  • GEICO may include discounts for anti-lock brakes, daytime running lights, seat belt use, military active duty, membership and employees, and defensive driver.
  • Esurance has savings for renters, good student, anti-theft, good driver, and multi-policy.
  • SAFECO discounts include bundle discounts, drive less, multi-car, teen safe driver, safe driver, anti-theft, and teen safety rewards.
  • State Farm has discounts for defensive driving training, passive restraint, accident-free, good student, Drive Safe & Save, driver’s education, and Steer Clear safe driver discount.

If you want cheaper car insurance quotes, ask each insurance company which discounts they offer. A few discounts might not be offered on policies everywhere.

When do I need an agent’s advice?

When buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • When would I need additional glass coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover tools stolen from my truck?
  • How can I force my company to pay a claim?
  • Do I have coverage when making deliveries for my home business?
  • Is business property covered if stolen from my car?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Will you really save $381 on insurance coverage?

Consumers can’t escape the ads for the lowest price insurance coverage by companies like GEICO, State Farm and Progressive. They all make the same claim of big savings just by switching your insurance coverage policy to them.

It sounds good, but how can they all claim to save you money? Here is the trick they use.

Companies look for specific characteristics for the driver that will generate a profit. One example of a desirable insured could possibly be between the ages of 40 and 55, has a clean driving record, and drives a car with an anti-theft system. A customer getting a price quote that meets those criteria will most likely get cheap rates as well as save if they switch.

Drivers who do not fit the requirements will be charged a more expensive rate and ends up with business going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently make it sound like they have such great rates.

Different companies use different criteria so you really should compare free car insurance quotes often. It’s impossible to know which insurance coverage company will fit you best based on your risk profile.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Collision – This coverage pays for damage to your S-15 Jimmy resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses for things like prosthetic devices, doctor visits, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people 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 is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability – Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

In the end, you save

Throughout this article, we presented many ways to get a better price on 1991 GMC S-15 Jimmy insurance. The key thing to remember is the more quotes you get, the better likelihood of getting affordable car insurance. Consumers may even find the most savings is with some of the lesser-known companies. They may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate or State Farm.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

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