Save on 1992 GMC Safari Cargo Car Insurance Rates

Did a good deal turn out to be an overpriced auto insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute lowest price

It’s important to take a look at other company’s rates at least once a year due to the fact that insurance prices change frequently. If you had the best deal for Safari Cargo coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

Find hidden discounts on car insurance

Not too many consumers would say car insurance is affordable, but you may find discounts that you may not know about. Some trigger automatically when you complete an application, but once in a while a discount must be asked about in order for you to get them.

• Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• No Charge for an Accident – Not really a discount, but companies like Geico, State Farm, and Progressive will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Drive Less and Save – Driving fewer miles can earn lower rates due to less chance of an accident.

Don’t be shocked that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts should help lower your policy cost.

Car insurance companies who might offer many of the previously listed discounts include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need cheaper car insurance quotes, ask each company which credits you are entitled to. A few discounts might not be offered on policies in your state. To view insurance companies that have a full spectrum of discounts, click here.

Find more affordable insurance coverage with these tips

Lots of factors are taken into consideration when you get your auto insurance bill. Some are obvious such as traffic violations, although others are less apparent such as whether you are married and annual miles driven.Smart consumers have a good feel for some of the elements that come into play when calculating your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to cheaper rates.

The list below includes a partial list of the pieces insurance coverage companies consider when setting your premiums.

• Safety ratings are a factor – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your GMC Safari Cargo has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
• Alarm systems lower premiums – Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
• Gender and insurance – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that females are better drivers. Men and women tend to get into at-fault accidents at a similar rate, but the men tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.
• Driver age impacts prices – More mature drivers are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.Inexperience drivers are statistically proven to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I carry comprehensive and collision coverage?
• Do I have newly-aquired coverage?
• What is UM/UIM insurance?
• Do I need replacement cost coverage on my 1992 GMC Safari Cargo?
• Which is better, split liability limits or combined limits?
• Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Drivers who switch save $413 a year? Really?

Well-known car insurance companies like State Farm, Allstate and Geico endlessly run television, radio, and online ads. They all seem to convey the message that drivers will save a bundle if you switch to their company. How is it possible that every company can give you a better price? Here is how they do it.

Most companies provide the lowest rates for the type of customer that will not have excessive claims. An example of a profitable insured could possibly be between the ages of 40 and 55, has a clean driving record, and drives a safe vehicle. Any driver that hits that “sweet spot” will probably get cheap premium rates and as a result will probably save money with a new company.

Insureds who fall short of this ideal profile will probably have to pay a more expensive rate and this results in business going elsewhere. Company advertisements say “people that switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully make those statements. Different companies use different criteria so it’s extremely important to compare rate quotes every year. It is just not possible to predict which car insurance company will have the best auto insurance rates for your profile.

Coverages available on your insurance policy

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Collision coverage

Collision insurance pays for damage to your Safari Cargo resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, medical expenses, repair costs for stationary objects, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Safari Cargo.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the lowest possible cost, not the least amount of coverage.

More affordable car insurance can be found both online in addition to many insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies may not have online rate quotes and usually these regional carriers work with independent agents.

For more information, link through to these articles:

• Electronic Stability Control FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Bodily Injury Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)