View 1991 GMC S-15 Jimmy Car Insurance Rates

Looking for better auto insurance rates for your GMC S-15 Jimmy? Having to pay for overpriced GMC S-15 Jimmy insurance can dwindle your checking account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Lots of insurers contend for your business, so it’s not easy to compare every provider to find the best rates possible.

Parts of the GMC S-15 Jimmy rate equation

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get big savings.

Shown below are some of the factors used by your company to calculate your rates.

  • Increase deductibles and save – Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more money you’re willing to pay, the less your insurance coverage will be on S-15 Jimmy insurance.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as reckless driving.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. Safer cars result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your GMC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • The more you drive the more you pay – The more miles you rack up on your GMC each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your insurance coverage policy is showing how each vehicle is driven, because it can save money. Incorrect usage on your S-15 Jimmy may be costing you.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may then be required to file a SR-22 with your state DMV.
  • Do you need the policy add-ons? – There are quite a few extra coverages that you can buy on your S-15 Jimmy policy. Coverages for personal injury protection, towing coverage and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Your job and insurance rates – Did you know your job can affect your rates? Jobs such as doctors, social workers and stock brokers tend to have the highest rates attributed to job stress and lengthy work days. On the other hand, jobs such as actors, students and performers receive lower rates on S-15 Jimmy insurance.

How to Get Car Insurance

Finding cheaper 1991 GMC S-15 Jimmy car insurance prices is not rocket science. You just need to spend a little time comparing rates online from several insurance companies. This can be done in a couple of different ways.

  1. One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate forms to each individual car insurance company. Filling out one form gets you price quotes direct from many companies.
  2. A harder way to find lower rates requires visiting the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want rates from State Farm, Farmers and Liberty Mutual. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. Drivers can find lower rates online and still use a local agent and we’ll cover that in a bit.

Whichever way you use, double check that you are using apples-to-apples coverage limits on every quote. If you compare differing limits it’s impossible to make a fair comparison for your GMC S-15 Jimmy.

Do drivers who switch really save?

Consumers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all have a common claim about savings if you change to their company.

But how can every company make the same claim?

Different companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer could possibly be between 25 and 40, a clean driving record, and has great credit. A propective insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don’t meet the requirements will be charged a higher premium and this can result in the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can make those claims.

That is why it is so important to compare many company’s rates. It’s impossible to know which auto insurance company will provide you with the cheapest GMC S-15 Jimmy insurance rates.

How much can you save with discounts?

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but some must be inquired about before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • E-sign – Some insurance companies will give a small break simply for signing on their website.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurance companies who offer insurance coverage discounts, click here.

How much car insurance do I need?

When choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Is rental equipment covered for theft or damage?
  • Does my car insurance cover rental cars?
  • Where can I find DUI or SR-22 insurance?
  • When should I remove comp and collision on my 1991 GMC S-15 Jimmy?
  • Am I covered when pulling a rental trailer?
  • What is the minimum liability in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about auto insurance coverages for a 1991 GMC S-15 Jimmy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, rehabilitation expenses, doctor visits and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC S-15 Jimmy.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.


Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles, legal defense fees and court costs. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverage

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

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Final thoughts

You just read many ideas to compare 1991 GMC S-15 Jimmy insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the best price on insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Cheap insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

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