1996 GMC Safari Car Insurance Cost – 9 Ways to Save

Searching for cheaper insurance for a new or used GMC Safari could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to quote coverages for a GMC and locate the lowest possible price.

Nine discounts to earn affordable car insurance rates

Some insurance providers don’t necessarily list every disount available very clearly, so the list below contains a few of the more well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Mature Driver Discount – If you’re over the age of 55, you may be able to get a small discount on rates for Safari coverage.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared with insureds who have frequent claims or accidents.
  • Early Renewal Discounts – A few larger companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Auto/Home Discount – When you have multiple policies with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Federal Employees – Active or former government employment can save as much as 8% for Safari coverage with certain companies.
  • Paper-free Discount – A few larger online companies provide a small discount for buying a policy and signing up online.
  • Telematics Data – Insureds that choose to allow their car insurance company to scrutinize vehicle usage by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as they are good drivers.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

To find insurance companies that offer many of these discounts, click this link.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions might help in determining if you could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage on my 1996 GMC Safari?
  • How much liability do I need to cover my assets?
  • How do I buy GAP insurance?
  • Do I need more liability coverage?
  • Should I get collision insurance on every vehicle?
  • Do I really need UM/UIM coverage?
  • Should I buy full coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This will pay to fix damage to your Safari caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, crashing into a building, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, hitting a bird, damage from getting keyed, hitting a deer and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like hospital visits, rehabilitation expenses, EMT expenses, pain medications and doctor visits. 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 as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 1996 GMC Safari.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as funeral expenses, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Summing up your car insurance search

We’ve covered a lot of information how to compare 1996 GMC Safari insurance rates online. The key thing to remember is the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.

Budget-conscious 1996 GMC Safari insurance is possible from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not provide online quoting and these small, regional companies sell through independent agents.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, policy non-renewal, an unsatisfactory settlement offer or even poor customer service. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

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