Cheap 1994 GMC S-15 Jimmy Car Insurance Cost

Are you a victim of an expensive auto insurance policy? Say no more because you are not the only one feeling buyer’s remorse. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company and get the definite lowest rate possible.

Consumers need to quote other rates before your policy renews since rates fluctuate regularly. Just because you had the lowest premium rates for S-15 Jimmy coverage a year ago other companies may now be cheaper. You’ll find a ton of advice on auto insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to quit paying high auto insurance rates.

Quote insurance online

Finding a better price on insurance is a fairly straight forward process. All that’s required is to spend a few minutes on the computer to compare free insurance quotes from different insurance companies. It’s really simple and can be done using a couple different methods.

  1. The simplest way to get quotes is a comparison rater form (click to open form in new window). This form eliminates the need for separate quote forms for each company. In just a few minutes this one form will return quotes from several companies.
  2. Another way to shop for insurance online requires a visit to the website of each company to request a price quote. For example, we’ll pretend you want rates from Auto-Owners, State Farm and Allstate. To do that, you would have to spend time going to each site individually and enter your information, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

  3. The last way to compare price quotes is to drive around to all the different insurance agencies. Comparing rates online reduces the need to sit down with an agent unless you’re the type of person who wants the trained guidance that you can only get from talking to an agent. Drivers can get prices online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just double check that you are using identical coverage limits and deductibles for each comparison quote. If you compare different values for each quote you will not be able to determine the lowest rate for your GMC S-15 Jimmy.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • How many claims can I have before being cancelled?
  • Am I missing any policy discounts?
  • Is my teenager covered with friends in the car?
  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • Can I afford low physical damage deductibles?
  • Is my ex-spouse still covered by my policy?

If you can’t answer 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 or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Collision – Collision coverage will pay to fix damage to your S-15 Jimmy caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, fire damage, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, emergency aid and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comments About 1994 GMC S-15 Jimmy Insurance

  1. Kathie Douglas

    Live in Lexington, KY. Quoted with Allstate, Amica, and some I forget for my GMC and saved just over $60 a year. I even had a DUI years ago. Online quotes are the way to go. Liability only on my S-15 Jimmy.

  2. Oren Summers

    Just my two cents. From a town just southwest of Tacoma, WA. Got rates from Hanover, Amica, Mercury, and a couple others for my GMC and cut my rates about $70 a year. I’m a pretty good driver though. I got a quote from their website. Book value doesn’t justify full coverage anymore.

  3. Precious Black

    Like your site, BTW. From a town just southwest of San Antonio, Texas. Got quotes from 21st Century, GMAC, and Encompass for my 1994 GMC S-15 Jimmy and saved $112 a year. Ask about discounts. Can still barely afford it.

  4. Bobby Mejia

    If you’re a decent driver and live in the vicinity of Philadelphia, PA, check out 21st Century. You might get cheaper rates. Insured with Eastwood before. My new agent seems to be really good. They were helpful in switching over.

  5. Deadra Spears

    Good site, thanks. I live on the north side of Gulfport, MS. I quoted with State Farm, Eastwood, and Hartford for my 1994 GMC S-15 Jimmy and I think I saved around $20 each month. Was with American Family. Have an at-fault accident tho. They have free quotes online. Liability only on my S-15 Jimmy.

  6. Guadalupe Curtis

    Hope my rates come down. Got a quote with American Family for my 1994 GMC S-15 Jimmy and saved around $80 a year. Left USAA to switch. I’m thinking about dropping full coverage though.

  7. Luci Reese

    I compared a lot of rate quotes for a 1994 GMC S-15 Jimmy in Louisville, KY. Ended up at right around $80 every six months with Auto-Owners. Hopefully won’t need it. I don’t put full coverage on it.

  8. Ginger Wilkinson

    I switched to Allstate. Quoted good rates in Tulsa, Oklahoma. Can still barely afford it.

  9. Tammara Joyner

    In Minneapolis, MN, Allstate is a good choice. Might find lower rates online.

  10. Ben Dominguez

    Nice post. I live just outside Charleston, SC. Quoted rates from Progressive, AAA, Eastwood, and Liberty Mutual for my GMC and I’m now saving $19 a month. Was with Esurance. It never hurts to quote around. I dropped full coverage awhile back.

  11. Randee Cline

    Thanks for putting this site together. Lifelong resident of Dallas, TX. Quoted quotes with State Farm, AAA, and some I forget for my 1994 GMC S-15 Jimmy and saved just over $90 a year. I just quoted rates online.

  12. Nam Rios

    Not sure if this is cheap. I live just to the east of Henderson, NV. Got car insurance prices from Progressive, Eastwood, and Liberty Mutual for my S-15 Jimmy and I’m now saving $17 a month. They have free quotes online. Full coverage costs too much.

  13. Eve Pittman

    Does Nebraska have minimum liability requirements?

  14. Lizeth Odonnell

    Not sure if this is cheap. Got a quote with Travelers for my 1994 GMC S-15 Jimmy and am saving around $100 a year. I’m thinking about dropping full coverage though.

  15. Brittanie Holcomb

    Checking in from New York City, New York. Quoted rates from The General, Auto-Owners, Safeco, and a couple others for my GMC and I’m now saving $20 a month. I get lower rates because of my clean driving record. I recommend comparing lots of rates. Not worth enough to pay for comprehensive and collision.

  16. Ulrike Wolfe

    Does GEICO settle claims fairly?