How Much Does 1998 GMC S-15 Jimmy Car Insurance Cost?

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Companies like Geico, Farmers Insurance and State Farm persitently shower you with ad campaigns and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Consumers need to check auto insurance prices periodically due to the fact that insurance rates change frequently. Just because you found the best price on S-15 Jimmy coverage a year ago you can probably find a better price now. There is too much inaccurate information about auto insurance online but I’m going to show you the easiest ways to save money.

If you have car insurance now, you will be able to save some money using these techniques. Finding affordable coverage is quite easy. Nevertheless, car owners benefit from understanding how companies sell insurance online.

The most recommended method to compare car insurance rates is to know most of the bigger providers participate in online systems to give you rate quotes. To begin a comparison, all you need to do is take a few minutes to give details like if it has an anti-theft system, if you have a valid license, how old drivers are, and daily mileage. Your information is automatically sent to many different companies and they respond with quotes almost instantly.

To start a rate quote now, click here and enter the information requested.

Ads can be misleading

Insurance coverage providers like State Farm, Geico and Progressive consistently run ads on television and other media. They all make an identical promise of big savings if you change your policy. But how can every company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t measure up to these standards must pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently advertise the savings.

This illustrates why drivers should get quotes from several different companies. It’s not possible to predict which company will fit your personal profile best.

GMC S-15 Jimmy rates are complex

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for insurance. Knowing what determines base rates allows you to make educated decisions that could result in better insurance rates.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Bad driving skills means higher rates – Whether or not you get tickets has a huge affect on how much you pay. Good drivers receive lower rates than bad drivers. Only having one citation can increase rates by twenty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • How many coverages with the same company – Many insurers give discounts to customers who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to ensure the best deal. You may still find better rates by insuring with multiple companies.
  • Rural vs Urban Areas – Living in small towns and rural areas can save you money when talking about insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Urban drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can buy on your S-15 Jimmy policy. Coverages like roadside assistance, towing coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
  • High numbers of claims are not good – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Auto insurance companies give lower rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Low deductibles can be expensive – The deductibles represent how much money you are required to spend if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive on S-15 Jimmy coverage.

Cut your auto insurance rates with discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Some discounts apply automatically at quote time, but some must be asked about prior to receiving the credit.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Accident Free – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on S-15 Jimmy coverage than their less cautious counterparts.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums on S-15 Jimmy coverage.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Distant Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.

It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will cut the cost of coverage.

Insurance companies who might offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. Discounts might not be offered in every state.

You are unique and your insurance coverage should be too

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out whether or not you will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover my expensive audio equipment?
  • Why do I need rental car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability do I need to cover my assets?
  • Should I waive the damage coverage when renting a car?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for 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 a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, repair costs for stationary objects, medical expenses, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, dental work, surgery, doctor visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your S-15 Jimmy from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car, scraping a guard rail, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding and a broken windshield. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop Smart and Save

We just presented many tips how you can save on 1998 GMC S-15 Jimmy insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest premiums are with the smaller companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at the best price.

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