1999 GMC S-15 Jimmy Insurance Cost – 10 Ideas for Cheapest Prices

Saving money on insurance can be difficult for consumers not familiar with comparison shopping online. People have so many options available that it can be more work than you anticipated to locate the lowest price.

You should make it a habit to get comparison quotes every six months because rates change quite often. Even if you think you had the best price on S-15 Jimmy insurance six months ago you can probably find a better price now. Starting right now, forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

How to reduce 1999 GMC S-15 Jimmy insurance rates

Car insurance companies don’t list every available discount in a way that’s easy to find, so here is a list both the well known and the more hidden insurance savings.

  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Senior Citizens – Older drivers can possibly qualify for better insurance rates on S-15 Jimmy insurance.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break when shopping for insurance on S-15 Jimmy insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • E-sign – Some insurance companies give back up to $50 just for signing your application online.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance discounts, click here to view.

Can you really save that much by switching?

Insurance coverage providers like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all say the same thing of big savings if you move your coverage to them. How does each company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and therefore will save when they switch companies.

Consumers who don’t meet these standards will be charged higher premiums which leads to business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully advertise the way they do. That is why it is so important to compare many company’s rates. You cannot predict which insurance coverage company will have the lowest GMC S-15 Jimmy insurance rates.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine if you could use an agent’s help.

  • What is PIP insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy liability insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • I have health insurance so do I need medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy additional glass protection?
  • Why am I required to buy high-risk coverage?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Information about specific coverages

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC S-15 Jimmy.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. 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. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, funeral expenses and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding, rock chips in glass, fire damage and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like funeral costs, EMT expenses, rehabilitation expenses, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage covers damage to your S-15 Jimmy caused by 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 protects against things such as rolling your car, sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Don’t break the bank

People change insurance companies for any number of reasons including unfair underwriting practices, lack of trust in their agent, not issuing a premium refund and even policy non-renewal. No matter why you want to switch, finding a new car insurance company is easier than you think.

Cheap 1999 GMC S-15 Jimmy insurance can be found both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just covered quite a bit of information on how to lower your insurance rates. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

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