2000 GMC S-15 Jimmy Insurance Rates

Locating cheaper insurance for your GMC S-15 Jimmy can normally be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages for your GMC and find the best price possible.

You should take the time to take a look at other company’s rates periodically because rates are rarely the same from one policy term to another. Even if you think you had the lowest price for S-15 Jimmy coverage six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Automobile Insurance Quotes

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace where prospective buyers send in one quote, and every company provides a quote for coverage. This saves time by eliminating form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to using this type of form is you cannot specify which insurance companies to receive prices from. If you prefer to choose from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use identical information for every quote you compare. If each company quotes differing limits then you won’t be able to determine the lowest rate for your GMC S-15 Jimmy.

Factors influencing GMC S-15 Jimmy insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • High deductibles save money – Your deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the lower your rates will be for S-15 Jimmy coverage.
  • Liability coverage is cheap – Liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. It provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies give lower rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • Never let your coverage lapse – Driving without insurance is against the law and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for S-15 Jimmy coverage depending on your company.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for S-15 Jimmy coverage than drivers with accidents.
  • Drive Less and Save – Keeping the miles down on your GMC can qualify you for a substantially lower rate.

Keep in mind that most discounts do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will cut the amount you have to pay.

Car insurance companies that may have these discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in your state.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I need replacement cost coverage on my 2000 GMC S-15 Jimmy?
  • Should I drop comprehensive coverage on older vehicles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving in Canada or Mexico?
  • Is my nanny covered when driving my vehicle?
  • When would I need rental car insurance?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your GMC S-15 Jimmy.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from flooding and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, medical services, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding 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 protects against things such as sideswiping another vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage kick in for bills for surgery, chiropractic care, EMT expenses, dental work and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Cheap 2000 GMC S-15 Jimmy insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Insureds who switch companies do it for a number of reasons such as policy non-renewal, extreme rates for teen drivers, high prices and being labeled a high risk driver. Whatever your reason, switching companies is not as hard as you think.

We just covered a lot of tips how to lower your insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even find the biggest savings come from a smaller regional carrier.

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