1990 GMC S-15 Jimmy Insurance Quotes – 10 Tips for Best Rates

Want the cheapest insurance coverage rates for your GMC S-15 Jimmy? Trying to find the cheapest insurance for your GMC S-15 Jimmy can be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are more efficient ways to shop for insurance coverage and you need to know the best way to price shop coverage for your GMC and find the lowest price from both online companies and local agents.

Consumers need to compare rates on a regular basis because prices tend to go up over time. Even if you got the best rates on S-15 Jimmy insurance a year ago there may be better deals available now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

How to buy insurance

Performing a rate comparison can take time and effort if you don’t know the most efficient way. You could waste a few hours driving to insurance companies in your area, or you can stay home and use online quoting to get prices fast.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do form submissions for every insurance company.

To participate in this free quote system, click to open in new window.

The single downside to comparing rates this way is you don’t know exactly the providers you want pricing from. So if you want to select individual companies to compare prices, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just be certain you are entering the exact same coverages for each quote you get. If you use different liability limits it will be next to impossible to determine which company has the best rates.

Ten discounts for cheap auto insurance rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Most are applied at quote time, but once in a while a discount must be specially asked for before they will apply.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
• New Vehicle Savings – Insuring a vehicle that is new may earn a small discount since newer vehicles are generally safer.
• Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
• Bundle and Save – If you can bundle your homeowners and auto insurance with the same company you may save 10% to 20% off each policy.
• Full Payment Discount – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
• Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on S-15 Jimmy insurance with certain companies.
• Driver Training Discounts – Participating in a class that teaches defensive driving techniques could cut 5% off your bill and make you a better driver.
• Early Renewal Discounts – Select larger companies give a discount for renewing your policy before your current expiration date. It can save you around 10%.
• Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
• Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, nobody gets a free ride. But all discounts should definitely cut your policy premium.

The best auto insurance companies and some of their more popular discounts include:

• Geico offers discounts for daytime running lights, federal employee, air bags, anti-theft, defensive driver, and multi-vehicle.
• Auto-Owners Insurance policyholders can earn discounts including paperless, anti-lock brakes, multi-policy, anti-theft, and teen driver.
• American Family may offer discounts for TimeAway discount, accident-free, mySafetyValet, bundled insurance, defensive driver, and early bird.
• Esurance offers discounts including DriveSense, online shopper, defensive driver, Switch & Save, and multi-policy.
• Progressive may have discounts that include good student, multi-policy, multi-vehicle, online quote discount, online signing, homeowner, and continuous coverage.
• State Farm offers premium reductions for Drive Safe & Save, safe vehicle, multiple policy, accident-free, driver’s education, good student, and anti-theft.
• AAA includes discounts for good driver, pay-in-full, anti-theft, AAA membership discount, and multi-car.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere. To locate insurers who offer online auto insurance quotes, follow this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• Is business property covered if stolen from my car?
• Should I buy additional glass protection?
• How can I find cheaper teen driver insurance?
• Does my insurance cover my expensive audio equipment?
• At what point should I drop full coverage?
• Will filing a claim cost me more?
• Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays for damage to your S-15 Jimmy resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as emergency aid, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as prosthetic devices, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your GMC S-15 Jimmy.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A penny saved is a penny earned

You just read a lot of information how to compare 1990 GMC S-15 Jimmy insurance prices online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding low cost auto insurance. You may even discover the best price on insurance is with the least-expected company.

When shopping online for insurance, you should never reduce needed coverages to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the lowest possible cost.

Insureds leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, not issuing a premium refund and lack of trust in their agent. Regardless of your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

Additional information can be found below:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• All About Airbag Safety (State Farm)
• Learn About Car Insurance (Geico)
• What is Gap Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)