2000 GMC S-15 Jimmy Insurance Rates

Drivers have options when trying to find affordable GMC S-15 Jimmy insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to shop for insurance and you need to know the quickest way to compare rates for a new or used GMC and get the cheapest rates either online or from local insurance agents.

It’s smart to get comparison quotes occasionally due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest rates for S-15 Jimmy insurance six months ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.

GMC S-15 Jimmy rates are in the details

Smart consumers have a good feel for some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting premiums.

  • Rates may be lower depending on your job – Jobs such as lawyers, business owners and accountants tend to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, professions such as farmers, athletes and retirees receive lower rates for S-15 Jimmy insurance.
  • Where you live is a factor – Living in small towns and rural areas can be a good thing when buying auto insurance. Urban drivers have much more traffic and longer commute times. Fewer people means fewer accidents and a lower car theft rate.
  • Optional equipment can affect rates – Owning a car with an alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Good drivers have lower premiums compared to drivers with tickets. Even one citation can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are willing to pay before your auto insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you have to pay, the lower your rates will be for S-15 Jimmy insurance.
  • Where do you drive? – The more you drive each year the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Improper usage on your S-15 Jimmy may be wasting your money. Ask your agent if your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you if you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.

More discounts equal less premium

Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so we researched both well-publicized as well as the least known auto insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Low Mileage Discounts – Keeping the miles down on your GMC can qualify you for lower rates on the low mileage vehicles.
  • Passive Restraints – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for S-15 Jimmy insurance.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that possibly offer these discounts include:

Check with every prospective company what discounts are available to you. Discounts might not apply everywhere.

Can you really save that much by switching?

Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and GEICO. All the companies say the same thing that you can save if you switch to them.

How can each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured could possibly be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A driver who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t measure up to the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That’s the way companies can make those claims. This illustrates why you should compare many company’s rates. It’s just too difficult to predict which insurance companies will give you the biggest savings on GMC S-15 Jimmy insurance.

It’s not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover if you would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I wreck a rental car?
  • Should I carry comprehensive and collision coverage?
  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?
  • How does medical payments coverage work?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is covered by UM/UIM coverage?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage will pay to fix damage to your S-15 Jimmy from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, rolling your car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damage that occurs to other’s property or people. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, funeral expenses, emergency aid, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for things like nursing services, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, hitting a deer, fire damage and theft. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your GMC S-15 Jimmy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Save for a rainy day

People change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, not issuing a premium refund or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. There are too many instances where drivers have reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of ways to compare 2000 GMC S-15 Jimmy insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company.

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