Compare 1999 GMC Jimmy Insurance Rates

I really doubt anyone likes buying insurance coverage, in particular when the cost is too high. Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate

It’s a good habit to price shop coverage once or twice a year because insurance rates are rarely the same from one policy term to another. Even if you think you had the best premium rates for Jimmy insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to teach you the best way to find lower rates on insurance coverage.

If you are insured now or are shopping for new coverage, you can use this information to reduce the price you pay while maintaining coverages. Finding the best rates is not that difficult. Drivers only need an understanding of the most effective way to buy car insurance over the internet.

Get cheap car insurance rates with discounts

Companies don’t always publicize all possible discounts very well, so the below list has some of the best known as well as the least known discounts that you can inquire about if you buy car insurance online.

• Save with More Vehicles Insured – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
• Low Miles Discount – Low annual miles may enable drivers to earn lower premium rates on the low mileage vehicles.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Discount for Good Grades – Being a good student can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Air Bag Discount – Options like air bags or motorized seat belts could see savings as much as 30%.

Just know that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies that have these money-saving discounts include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before buying, ask each company to give you their best rates. Some discounts may not apply in your area. To find companies with the best car insurance discounts, click here.

Cheap insurance price quotes online

Finding a better price on insurance can be relatively painless. Consumers just need to take the time comparing price quotes to discover which company has the cheapest car insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating boring form submissions for each price estimate. In just a few minutes this one form gets rate comparisons from insurance companies with the best prices.

A less efficient way to find more affordable insurance is going to each individual company website and fill out a new quote form. For sake of this example, we’ll pretend you want rates from Liberty Mutual, Farmers and State Farm. To get rate quotes you would need to go to every website to enter your coverage information, which explains why we recommend starting with the first method.

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

It’s up to you how you get prices quotes, just try to keep identical coverage limits and deductibles on every quote. If you have different values for each quote it’s impossible to determine the lowest rate for your GMC Jimmy.

Insurance price influencing factors

It’s important that you understand a few of the rating criteria that help calculate insurance coverage rates. If you understand what controls the rates you pay, this allows you to make good choices that could result in much lower annual insurance costs. Multiple criteria are considered when premium rates are determined. Some are obvious like your driving record, but other factors are less apparent such as whether you are married and annual miles driven.

Shown below are some of the things insurance coverage companies consider when setting premiums.

• With age comes lower costs – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.Beginning drivers are proven to be more careless with other occupants in the car and because of this, their insurance coverage rates are much higher.
• Never let your coverage lapse – Driving with no insurance is against the law and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, not being able to provide proof of insurance may result in a revoked license or a big fine. Then you may be required to file a SR-22 with your state department of motor vehicles.
• Use one insurance company and save – Most larger insurers provide a discount to insureds that purchase more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare other insurance prices to ensure the best deal. Consumers may save even more by splitting coverages up.
• Vehicles with better crash test results lower rates – Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and fewer serious injuries translates directly to fewer claims which can mean better rates for you.
• Protect yourself with liability – The liability section of your policy is the protection when a court rules you are at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Only buy what you need – Insurance policies have a lot of extra bells and whistles you can purchase on your insurance coverage policy. Insurance for things like vanishing deductibles, high-cost glass coverage, and additional equipment coverage are some examples. They may sound like good ideas when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.
• Insurance rates for married couples – Your spouse may earn you lower rates on your policy. Marriage may mean you are more responsible and insurance companies like that being married results in fewer claims.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining if you will benefit from professional help.

• What is covered by UM/UIM coverage?
• Does my car insurance cover rental cars?
• Should I sign the liability waiver when renting a car?
• Do I pay less for low miles?
• Is my business laptop covered if it gets stolen from my vehicle?
• Will filing a claim cost me more?
• Am I covered by my spouse’s policy after a separation?
• When should I remove comp and collision on my 1999 GMC Jimmy?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance advertising tricks

Consumers constantly see and hear ads that claim the lowest car insurance rates by companies like Progressive, Allstate and Geico. All the companies make an identical promise that you’ll save big if you switch your coverage.

That’s great but how can every company offer drivers better rates? It’s all in the numbers.

All companies offer their best rates for the type of driver that makes them money. An example of a profitable insured could possibly be a female over age 40, has no claims, and drives a lower-performance vehicle. Any driver that hits that “sweet spot” will most likely get cheap rates and have a good chance to save a lot if they switch.

People who do not match those standards may receive higher premiums which translates to the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That is how companies can truthfully make those statements. This emphasizes why you really should compare price quotes frequently. Because you never know the company that will have the lowest car insurance rates for your situation.

Insurance policy specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other people or property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, emergency aid, repair costs for stationary objects, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, dental work, rehabilitation expenses, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

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

Collision insurance

This coverage will pay to fix damage to your Jimmy resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your GMC Jimmy.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

More quotes. Lower rates.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented a lot of techniques to reduce 1999 GMC Jimmy insurance premium rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost car insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

Helpful learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Child Safety FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)