1999 GMC S-15 Jimmy Insurance Cost

Looking for the cheapest insurance rates for your GMC S-15 Jimmy? Are you irritated from not being able to afford to buy insurance? Your situation is no different than many other consumers.

There is such a variety of auto insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to get the best deal.

Choosing the best insurance company for you is not rocket science. Basically, every vehicle owner who shops for auto insurance should be able to save money. But consumers need to learn the way insurance companies market insurance on the web and apply this information to your search.

Take policy discounts and save

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not know about. Some discounts apply automatically when you complete an application, but some discounts are required to be asked about prior to getting the savings.

  • Seat Belt Usage – Requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for S-15 Jimmy insurance than drivers with accident claims.
  • Distant Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
  • Professional Organizations – Participating in qualifying employment or professional organizations can get you a small discount on insurance coverage.
  • Homeowners Pay Less – Owning a home can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Claim Free – Insureds who avoid accidents and claims pay much less when compared to drivers with a long claim history.
  • Safety Course Discount – Taking time to complete a defensive driving class is a good idea and can lower rates and easily recoup the cost of the course.
  • Sign Early and Save – Some insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Lower Rates for Military – Being deployed with a military unit could mean lower prices.
  • Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

A quick disclaimer, most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though you would think you can get free auto insurance, you aren’t that lucky.

Popular insurance coverage companies and a selection of discounts are shown below.

  • 21st Century has discounts for homeowners, driver training, anti-lock brakes, theft prevention, air bags, defensive driver, and good student.
  • State Farm offers discounts including multiple policy, accident-free, multiple autos, good student, Drive Safe & Save, defensive driving training, and Steer Clear safe driver discount.
  • AAA offers discounts for AAA membership discount, good student, anti-theft, good driver, and multi-policy.
  • Liberty Mutual may include discounts for multi-policy, newly married, newly retired, teen driver discount, exclusive group savings, and hybrid vehicle.
  • Progressive may offer discounts for online quote discount, good student, homeowner, continuous coverage, multi-vehicle, and online signing.

When getting a coverage quote, ask every insurance company how you can save money. Depending on the company, some discounts might not be offered everywhere.

How to get free insurance coverage quotes online

Most of the larger companies like Allstate and Progressive allow you to get coverage price quotes online. Comparing rates online is pretty easy as you simply enter your personal and coverage information on the page. Once entered, their quoting system obtains credit information and your driving record and generates pricing information based on many factors. Online price quotes makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively type in the same data gets old quite quickly. But it is imperative to get many rate quotes if you are searching for the lowest price.

Quote rates the easy way

A less time-consuming method to get multiple rate quotes makes use of a single form that gets price quotes from many companies. It’s a real time-saver, requires less work, and makes price shopping online much easier to do. Immediately after you send the form, your coverage is rated and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and can result in significant savings.

To quickly find out how much you can save on insurance coverage, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you enter identical to your current policy. This way, you will have a fair comparison for similar coverage.

How your S-15 Jimmy insurance costs are determined

An important part of buying insurance is that you know a few of the rating criteria that help determine the rates you pay for insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes a few of the things utilized by car insurance companies to help set rates.

  • More traffic means higher claims – Residing in a small town is a positive aspect when it comes to insurance. Drivers in populated areas have much more traffic and longer commute times. Fewer drivers on the road translates into fewer accident claims.
  • Rates can drop if you have more than one policy – Some companies allow better rates for people who consolidate policies with them in the form of a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, drivers will still want to compare other insurance prices to help ensure you have the lowest rates. It’s possible to still save even more even if you insure with multiple companies
  • Having a spouse pays dividends – Having a spouse may save some money on insurance. It usually means you are more mature and insurance companies like that being married results in fewer claims.
  • Premiums also based on gender – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Females and males are responsible for accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving.
  • Where do you drive? – The more you drive your GMC each year the higher your rates will be. A lot of companies calculate prices based upon how much you drive. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. It’s a smart idea to ensure your insurance coverage is rated on the correct driver usage, because it can save money. Having the wrong rating on your S-15 Jimmy may be wasting your money.
  • Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles have better occupant injury protection and lower injury rates translates directly to fewer claims passed on to you as lower rates. If the GMC S-15 Jimmy has at least four stars on Safercar.gov you are probably receiving a discount.
  • Bump up physical damage deductibles to lower rates – Your deductibles define how much you are willing to pay if a covered claim is submitted. Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, hail damage, and damage from wind. The more money the insured is willing to pay, the lower your rates will be for S-15 Jimmy insurance.

Which policy gives me the best coverage?

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need replacement cost coverage?
  • Do I need an umbrella policy?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage on my 1999 GMC S-15 Jimmy?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage for damage caused while driving under the influence?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as legal defense fees, structural damage, emergency aid, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Uninsured or underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your GMC S-15 Jimmy.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hitting a bird, theft and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, X-ray expenses, pain medications and hospital visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage will pay to fix damage to your S-15 Jimmy resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, backing into a parked car, driving through your garage door, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

One last thing

Throughout this article, we presented a lot of information how to get a better price on 1999 GMC S-15 Jimmy insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

When searching for cheaper auto insurance quotes, make sure you don’t reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

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