Cheaper 2001 GMC S-15 Jimmy Car Insurance Cost

Are you confused by the dozens of insurance coverage choices? Many other drivers are too. You have so many choices available that it can turn into a difficult challenge to find lower prices.

Consumers need to do price comparisons once or twice a year since rates are constantly changing. Even if you think you had the lowest rate for S-15 Jimmy insurance on your last policy you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the proper way to lower your annual insurance bill.

Cheapest auto insurance rate quotes

To find affordable insurance quotes, there are several ways of comparing price quotes from auto insurance companies in your area. One of the best ways to find cheaper GMC S-15 Jimmy rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This style of form prevents you from having to do separate forms for every auto insurance company. One quote request gets insurance cost estimates from all major companies.It’s the quickest way to get rates.
  • A more time consuming way to compare prices requires visiting each individual company website to request a price quote. For examples sake, we’ll assume you are doing a rate comparison from State Farm, Safeco and GMAC. You would be required to visit each site to input your insurance information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, be sure you’re using identical coverage limits for every company. If the quotes have different values for each quote you will not be able to determine the best price for your GMC S-15 Jimmy. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes provides better odds of finding lower pricing.

You may qualify for discounts

Insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but some discounts are required to be asked for in order for you to get them. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • Bundle and Save – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get lower premium rates for S-15 Jimmy insurance.
  • Federal Government Employee – Employees or retirees of the government may reduce rates when you quote insurance for S-15 Jimmy insurance with some insurance companies.
  • Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Professional Memberships – Joining a qualifying organization could trigger savings on your next insurance statement.
  • Low Mileage Discounts – Driving less can qualify you for substantially lower premium rates.
  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.

Remember that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

Some of the insurance companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not apply to policies everywhere. If you would like to view insurance companies that offer the discounts shown above, click here.

There’s no such thing as the perfect car insurance policy

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I drop full coverage on my 2001 GMC S-15 Jimmy?
  • How high should deductibles be on a 2001 GMC S-15 Jimmy?
  • I have health insurance so do I need medical payments coverage?
  • Does car insurance cover theft of personal property?
  • Are my friends covered when driving my 2001 GMC S-15 Jimmy?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability do I need to cover my assets?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

What car insurance coverages do you need?

Learning about specific coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2001 GMC S-15 Jimmy.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Comments About 2001 GMC S-15 Jimmy Insurance

  1. Verna Marshall

    I think I’m paying too much. I’m just south of Bellevue, NE. Quoted prices online for a 2001 GMC S-15 Jimmy. Ended up at about $70 savings annually. Went with Allstate. Liability only on my S-15 Jimmy.

  2. Jessenia Dunlap

    All insurance companies are crooks.

  3. Norman Snow

    Enjoyed the article. I live south of Gaithersburg, Maryland. Quoted prices from American Family, Sentry, and Western Auto Insurance for my 2001 GMC S-15 Jimmy and saved about $70 a year. I’m a pretty good driver though.

  4. Flavia Barrera

    Well-written and thought out article. Live in Salt Lake City, UT. Quoted prices online for a 2001 GMC S-15 Jimmy. Ended up at about $110 savings annually. Went with Progressive. I used their online quote form to compare rates.

  5. Doria Pruitt

    Quoted with Liberty Mutual for my GMC and saved about $70 a year.

  6. Ismael Walter

    Not sure if this is cheap. I live just to the west of Concord, NH. Quoted with Travelers, AAA, GMAC, and Nationwide for my 2001 GMC S-15 Jimmy and I think I saved about $20 each month. Bought it from an online quote.

  7. Tova Ballard

    Where can I find cheaper car insurance in Fort Wayne, IN?

  8. Chelsey Hicks

    Does State Farm offer new car replacement?

  9. Vernon Simpson

    Live in Grand Rapids, MI. Got car insurance prices from Allstate, Esurance, and Hanover for my S-15 Jimmy and I think I saved about $20 each month. My GMC doesn’t have full coverage.

  10. Angelyn Frederick

    Cheaper car insurance is a myth. I live just outside Saint Louis, MO. Got rates from Travelers, American Family, The General, and Safeco for my GMC and I think I saved around $20 each month. Get lots of quotes to find the best rate. I’m thinking about dropping full coverage though.

  11. Madison Hodge

    I live on the north side of Bridgeport, CT. I got free quotes from Auto-Owners, Safeco, and USAA for my GMC and I’m now saving $24 a month. Anyone else drop full coverage?