1997 GMC S-15 Jimmy Insurance Quotes – 7 Tricks for Best Rates

There isn’t a single person who fancies paying their premiums for auto insurance, especially when the prices are way too high. Having so many insurance providers from which to choose, it can be impossible to pick the cheapest insurer.

Insurance policy discounts you can’t miss

Car insurance companies don’t list every discount they offer in a way that’s easy to find, so we took the time to find both the well known and also the more inconspicuous ways to save on insurance. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

  • Sign Early and Save – A few insurance companies give discounts for switching companies prior to the expiration date on your current policy. This can save 10% or more.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Defensive Driving Course – Taking time to complete a course in driver safety may get you a small discount if your company offers it.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Distant Student – Kids who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Smart Student Discounts – This discount could provide a savings of up to 20% or more. You can use this discount normally until age 25.

As a sidenote, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce the amount you pay for coverage.

A list of companies and a selection of discounts can be read below.

  • Farm Bureau may include discounts for renewal discount, 55 and retired, multi-vehicle, good student, and multi-policy.
  • State Farm offers discounts for good student, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, good driver, and student away at school.
  • Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-policy, good student, and multi-vehicle.
  • Allstate may have discounts that include new car, utility vehicle, defensive driver, 55 and retired, passive restraint, senior citizen, and early signing.
  • Nationwide may offer discounts for accident-free, family plan, business or organization, easy pay, and good student.
  • MetLife discounts include claim-free, accident-free, good student, defensive driver, multi-policy, good driver

Before you buy a policy, ask each insurance company to apply every possible discount. All car insurance discounts might not be offered on policies in every state. To find insurance companies with the best discounts, follow this link.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether or not you may require specific advice.

  • When should my teen driver be added to my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need rental car coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I drive in a foreign country?
  • Do I need motorclub coverage?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance 101

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, vandalism, damage from flooding and hail damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your GMC S-15 Jimmy.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, EMT expenses, nursing services, prosthetic devices and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance covers damage to your S-15 Jimmy from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

One last thing

We just showed you some good ideas how you can compare 1997 GMC S-15 Jimmy insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper insurance. You may be surprised to find that the best price on insurance coverage is with the smaller companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

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