How Much Does 1999 GMC Jimmy Car Insurance Cost?

Are you sick and tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as the majority of other car owners. There are many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to compare rates and find the lowest cost insurance.

GMC Jimmy rates influenced by many factors

It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance coverage. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

  • Being married is a good thing – Getting married actually saves money on insurance coverage. Having a significant other is viewed as being more mature than a single person and it’s proven that married couples file fewer claims.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more money you are required to pay out-of-pocket, the less your insurance coverage will be for Jimmy coverage.
  • Where you reside plays a part – Choosing to live in small towns and rural areas can save you money when buying insurance coverage. Urban drivers have to deal with traffic congestion and much longer commute distances. Lower population translates into fewer accidents as well as less vandalism and auto theft.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount you still need to compare rates to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your GMC Jimmy 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 you are probably receiving a discount.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be inquired about in order for you to get them. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Jimmy coverage than drivers with accidents.
  • Homeowners Discount – Owning a house may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

It’s important to understand that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

A partial list of companies that may have these discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not apply everywhere.

Drivers who switch save $477 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you move to them.

How can each company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the right customer they prefer to insure. A good example of a profitable customer could possibly be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Consumers who are not a match for the “perfect” profile will be quoted more money and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how companies can advertise the way they do.

This emphasizes why you absolutely need to compare as many rates as you can. It is impossible to predict which auto insurance company will provide you with the cheapest GMC Jimmy insurance rates.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my GMC Jimmy covered if I use it for business?
  • Is my cargo covered for damage or theft?
  • Can I rent a car in Mexico?
  • Am I covered when driving someone else’s vehicle?
  • Does liability extend to a camper or trailer?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 1999 GMC Jimmy

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This coverage can cover damage or injury you incur to people or other property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, medical services, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Jimmy caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like nursing services, dental work, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Be a Smart Shopper

Budget-conscious 1999 GMC Jimmy insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

More detailed auto insurance information is located by following these links: