View 1998 GMC S-15 Jimmy Car Insurance Quotes

Pretty sure you bought an underperforming, overpriced insurance policy? It’s quite common and you’re not alone.

Big companies like Progressive, State Farm and Geico continually hit you with ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

Earn discounts to get lower-cost insurance coverage quotes

Companies do not list every discount they offer in a way that’s easy to find, so the list below contains both the well known in addition to some of the lesser obvious discounts that may be available.

• Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
• Multiple Policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
• Resident Student – College-age children who live away from home to go to college and leave their car at home can receive lower rates.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
• Driver’s Ed – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
• Online Discount – Some larger companies will give you a small discount simply for signing online.
• Early Switch Discount – Some larger companies reward drivers for signing up before your current policy expires. Ten percent is about the average savings.
• Own a Home – Being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
• Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you can get free auto insurance, nobody gets a free ride.

If you would like to choose from a list of providers who offer discounts, click this link.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining if your situation would benefit from professional advice.

• Is rental equipment covered for theft or damage?
• Will I be non-renewed for getting a DUI or other conviction?
• How high should deductibles be on a 1998 GMC S-15 Jimmy?
• Do I need special endorsements for business use of my vehicle?
• Do I need to file an SR-22 for a DUI in my state?
• I have a DUI can I still get coverage?
• Is there coverage for injuries to my pets?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance advertisements

Big name companies like State Farm and Allstate regularly use television, radio, and online ads. All the ads seem to make the promise that people will save after switching to them. That’s great but how can every company make almost identical claims? This is the way they can do it.

Insurance companies give the best rates for the type of customer that will add to their bottom line. One example of a profitable risk profile could be a mature driver, has never had a claim, and the vehicle is rated for pleasure use. Any driver that meets those criteria will get low car insurance rates and have a good chance to save a lot of money.

People who may not quite match this stringent profile will probably have to pay higher prices which results in business not being written. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully make claims that they all have the best premium rates. This really drives home the point why you absolutely need to quote coverage with many companies. Because you cannot predict which insurance companies will have the lowest car insurance rates for your situation.

Auto insurance coverages

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Collision coverages – Collision insurance pays for damage to your S-15 Jimmy from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your GMC S-15 Jimmy.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like EMT expenses, ambulance fees, surgery, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverages – Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as bail bonds, emergency aid, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer, damage from getting keyed and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Better coverage you can count on

Low-cost 1998 GMC S-15 Jimmy insurance is definitely available from both online companies and with local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide online price quotes and usually these small insurance companies sell through independent insurance agencies.

We covered some good ideas how to reduce 1998 GMC S-15 Jimmy insurance prices online. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with the smaller companies. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.

To learn more, link through to the resources below:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)