2000 GMC S-15 Jimmy Car Insurance Rates – 8 Tricks for Best Quotes

Searching for the cheapest auto insurance rates for your GMC S-15 Jimmy? Finding affordable auto insurance can be difficult for people who are new to shopping for insurance online. You have so many options that it can turn into a ton of work to find lower rates.

You should take the time to compare rates occasionally because rates are variable and change quite frequently. Just because you found the best rates on S-15 Jimmy coverage six months ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to learn the proper way to remove unneeded coverages and save money.

Save money by taking advantage of these eight discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you complete an application, but less common discounts must be inquired about prior to getting the savings.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings when shopping for auto insurance on S-15 Jimmy coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums on S-15 Jimmy coverage.
  • Resident Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.

Insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts might not apply in every state.

When should I use an insurance agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • What can I do if my company denied a claim?
  • Am I covered if my car is in a flood?
  • Am I covered when using my vehicle for business?
  • Where can I find DUI or SR-22 insurance?
  • How can I find cheaper teen driver insurance?
  • What is the rate difference between pleasure use and commuting?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my rates increase for filing one claim?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Don’t believe everything you hear

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads make the same claim about savings if you change your policy. How do they all say the same thing?

All the different companies have a preferred profile for the driver that makes them money. A good example of a profitable customer might be over the age of 40, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who do not match the requirements will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s the way companies can advertise the savings.

Because of the profiling, it’s extremely important to compare many company’s rates. Because you never know the company that will have the lowest GMC S-15 Jimmy insurance rates.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your GMC S-15 Jimmy.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Liability

Liability insurance provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, vandalism and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

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

Collision coverage pays for things like rolling your car, colliding with a tree, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like pain medications, nursing services, EMT expenses and prosthetic devices. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Buy Smart and Save

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, poor customer service, high prices or even policy non-renewal. It doesn’t matter why you want to switch finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut full coverage only to discover later that they should have had better coverage. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

You just read some good ideas how to reduce 2000 GMC S-15 Jimmy insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the biggest savings come from the least-expected company.

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