Lower Your 1999 GMC S-15 Jimmy Car Insurance Quotes

Searching for cheaper car insurance rates for your GMC S-15 Jimmy? Car owners fed up with high insurance rates and are new to price shopping insurance online may discover locating affordable auto insurance is more work than they anticipated.

It’s a good habit to price shop coverage periodically since rates tend to go up over time. Even if you think you had the lowest premium rates on S-15 Jimmy insurance a couple years back you will most likely find a better price today. You can search a lot of car insurance online but by reading this article, you’re going to learn some guaranteed methods to find cheap car insurance.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Buying affordable auto insurance is simple if you know the tricks. Nevertheless, car owners do need to understand the way insurance companies sell online.

Do you qualify for discounts?

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but lesser-known reductions have to be manually applied in order for you to get them.

• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Discount for Swiching Early – Some insurance coverage companies give discounts for switching companies early. It could save around 10% when you buy auto insurance online.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Accident Forgiveness Coverage – Not a discount per se, but certain companies will forgive one accident without the usual rate increase so long as you are claim-free for a certain period of time.
• Clubs and Organizations – Affiliation with a qualifying organization is a simple method to lower premiums on your next insurance coverage statement.
• Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
• Sign Online – Some insurance companies will give a small break for buying your policy on the web.
• Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
• Homeowners Discount – Owning your own home or condo may earn you a small savings because owning a home is proof that your finances are in order.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, you won’t be that lucky.

Some of the larger companies who may offer these discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When quoting, ask each insurance company the best way to save money. Savings may not apply to policyholders in every state.

Shop auto insurance online

There are several ways to obtain and compare prices from local auto insurance companies. The quickest method to lower the rate you pay for 1999 GMC S-15 Jimmy insurance consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

1. Probably the best way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for repetitive form entry for each company you want a rate for. In just a few minutes this one form will return quotes from many national carriers. It’s definitely the quickest method.
2. A less efficient way to analyze rates is to manually visit the website for each individual company and repeat the quote process. For examples sake, we’ll assume you want to compare prices for State Farm, Safeco and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes.

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

It doesn’t matter which method you choose, just make sure you compare exactly the same coverage data with every price quote. If you use mixed coverages you will not be able to get a fair rate comparison. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, more quotes increases the change that you will find lower pricing.

Don’t assume everyone needs the same insurance coverage coverage

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

• What is UM/UIM insurance?
• Do I need rental car coverage?
• What vehicles should carry emergency assistance coverage?
• Is my camper covered by my car insurance policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my car insurance cover rental cars?
• Am I covered if I crash into my own garage door?
• Can I still get insurance after a DUI?
• What discounts do I qualify for?
• Will my insurance pay for OEM parts?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

The coverage is in the details

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability – This provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, court costs, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

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

Comprehensive can pay for things such as hail damage, falling objects, hitting a bird, rock chips in glass and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your S-15 Jimmy from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 1999 GMC S-15 Jimmy.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses for surgery, pain medications, doctor visits, X-ray expenses and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

At the end of the day…

People switch companies for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new insurance coverage company can be less work than you think.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Low-cost 1999 GMC S-15 Jimmy insurance can be sourced on the web as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online rate quotes and these regional insurance providers sell through independent insurance agents.

To read more, take a look at the articles below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• State Car Insurance Guides (Geico)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)