Compare 1998 GMC Envoy Insurance Rates

Paying for pricey GMC Envoy insurance can deplete your bank account and maybe even restrict other spending.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute best price available.

Insurance discounts are available to lower your rates

Auto insurance companies do not advertise all possible discounts very well, so the list below gives a summary of a few of the more common and the harder-to-find insurance savings. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
Home Ownership Discount – Simply owning a home can earn you a little savings since home ownership means you have a higher level of financial diligence.
Military Deployment Discount – Having a family member in the military could mean lower insurance rates.
Club Memberships – Joining qualifying clubs or civic groups could earn you a nice discount when shopping for insurance.
Fewer Miles Equal More Savings – Keeping the miles down on your GMC can earn lower rates on the low mileage vehicles.
Cautious Driver Discount – Drivers without accidents may receive a discount up to 45% on Envoy insurance than their less cautious counterparts.
Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% on Envoy insurance depending on your insurance provider.

Discounts lower rates, but many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts will bring down your overall bill.

To see insurance companies with significant discounts, click here to view.

Everyone needs different insurance coverage coverages

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you might need an agent’s assistance.

Is my 1998 GMC Envoy covered for flood damage?
Am I covered if hit by an uninsured driver?
What is an SR-22 filing?
Is a fancy paint job covered?
Is my camper covered by my car insurance policy?
What exactly is covered by my policy?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing of big savings just by switching your policy. How does every auto insurance company charge you less for car insurance? It’s all in the numbers.

Companies have an ideal profile for the right customer that is profitable for them. A good example of a profitable customer may need to be a mature driver, has a low-risk occupation, and insures a new vehicle. Anyone that hits that “sweet spot” receives the best prices and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for these stringent criteria will probably be forced to pay higher premiums and this can result in the customer buying from a different company. If you pay attention, the ads say “people who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can advertise the way they do.

Because of the profiling, you need to compare quotes as often as possible. You cannot predict which company will have the lowest car insurance rates for your situation.

Insurance coverage options for a 1998 GMC Envoy

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Collision coverage protection

Collision insurance covers damage to your Envoy caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, a broken windshield, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

Liability coverage protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, bail bonds, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your GMC Envoy.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses like doctor visits, prosthetic devices, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Smart consumers save more

We just presented many ways to shop for 1998 GMC Envoy insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the biggest savings come from a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Affordable 1998 GMC Envoy insurance is possible both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online quoting and many times these regional carriers work with independent agencies.