Cheaper 1999 GMC Safari Insurance Rates

Finding cheap insurance coverage can seem to be challenging for drivers who are new to online comparison shopping. With dozens of insurance companies available, it can easily turn into hard work to find the best coverage rates.

You should take the time to do rate comparisons before your policy renews since prices change regularly. Despite the fact that you may have had the lowest rates on Safari coverage a year ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because you’re about to learn the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you should be able to save some money using these tips. Shopping for the cheapest coverage is easy if you know what you’re doing. Although car owners can benefit by having an understanding of the way insurance companies market insurance on the web.

Reduce insurance rates with these tips

The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that come into play when calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that can earn you lower rates.

Shown below are some of the most common factors insurance coverage companies consider when setting premiums.

  • Married people drive safer – Getting married may earn you lower rates on your insurance coverage policy. Having a significant other may mean you are less irresponsible and statistics prove drivers who are married file infrequent claims.
  • Raise your comp and collision deductibles for better prices – Physical damage deductibles are how much you are required to spend if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be rearending another vehicle, collision with a deer, and having a roll-over accident. The more money you choose to pay out-of-pocket, the better rate you will receive on Safari coverage.
  • Car insurance liability protection limits – Liability coverage will provide protection when you are found to be at fault for personal injury or accident damage. It provides you with a defense in court starting from day one. Liability is cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Drive lots and pay more – The higher the mileage driven in a year’s time the higher the price you pay to insure it. A lot of insurance companies rate vehicles partially by how you use the vehicle. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Safari may be costing you higher rates. It’s a good idea to make sure your vehicle rating shows the correct usage.
  • More than one policy can earn a discount – Some insurers give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to shop around to confirm you are receiving the best rates possible.
  • Safer vehicles that cut prices – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that may help make it more affordable. Some discounts will apply at quote time, but some may not be applied and must be specially asked for prior to receiving the credit. If you don’t get every credit possible, you could be getting lower rates.

  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts as opposed to frequent claim filers.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could get a discount of at least 10 to 15 percent or more.
  • Club Memberships – Being in qualifying clubs or civic groups could earn you a nice discount on your policy.
  • Early Payment Discounts – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Life Insurance Discount – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Drive Safe and Save – Drivers without accidents can save as much as half off their rates on Safari coverage compared to rates paid by drivers with frequent claims.

It’s important to note that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and the discounts they provide include:

  • GEICO has discounts for seat belt use, multi-policy, good student, driver training, anti-lock brakes, five-year accident-free, and daytime running lights.
  • MetLife may include discounts for multi-policy, accident-free, defensive driver, good student, good driver, and claim-free.
  • Progressive discounts include multi-policy, online quote discount, good student, continuous coverage, and online signing.
  • Travelers offers premium reductions for new car, student away at school, IntelliDrive, driver training, payment discounts, and good student.
  • SAFECO policyholders can earn discounts including teen safety rewards, bundle discounts, anti-theft, drive less, and teen safe driver.
  • AAA may offer discounts for multi-policy, AAA membership discount, good student, education and occupation, and good driver.

If you need lower rates, check with each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area.

Car insurance companies are expert advertisers

Respected companies like Allstate, GEICO and Progressive endlessly run ads on television and other media. They all seem to make the promise that drivers can save some big amount if you just switch your coverage to them. How is it plausible that every one can save you money? Just pay attention to how they say it.

Companies look for specific characteristics for the type of customer that is profitable for them. One example of this type of risk profile may be between the ages of 30 and 50, has never had a claim, and drives less than 7,500 miles a year. Anyone that meets those criteria will get the preferred prices and will save a lot of money.

Insureds who fall short of these stringent criteria will see higher premium rates which usually ends up with the customer buying from a different company. The ads state “drivers who switch” not “all people who quote” save that much. That’s why companies can truthfully make claims like that. This really illustrates why drivers must compare price quotes frequently. You cannot predict with any certainty which company will have the lowest rate quotes.

Auto insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out if your situation might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • When should I remove comp and collision on my 1999 GMC Safari?
  • Is my teenager covered with friends in the car?
  • Do I need more liability coverage?
  • Should I rate my 1999 GMC Safari as pleasure use or commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • What should my uninsured motorist coverage limits be in my state?
  • When can I cancel my policy?
  • I don’t drive much so do I pay less?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer 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, take a second and complete this form.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

Collision insurance will pay to fix damage to your Safari caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for doctor visits, chiropractic care, EMT expenses and pain medications. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1999 GMC Safari.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, court costs, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Spend less. Save more.

Low-cost 1999 GMC Safari insurance is attainable on the web and with local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies do not provide price quotes online and these smaller companies provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as high prices, being labeled a high risk driver, poor customer service or even policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

We just showed you a lot of tips how to shop for 1999 GMC Safari insurance online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Helpful resources