1993 GMC Rally Wagon Car Insurance Rates – 5 Tips to Save

Having to pay for pricey car insurance can drain your savings and put a big crunch on your finances. Comparing rates annually is a smart way to slash your bill and have more diposable income.

Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive cheapest price

You should make it a habit to compare rates on a regular basis because insurance prices tend to go up over time. Despite the fact that you may have had the lowest rate on Rally Wagon coverage a couple years back you can probably find a better premium rate now. There is too much inaccurate information about car insurance on the internet, but I’m going to show you some great ways to reduce your car insurance bill.

If you are paying for car insurance now, you should be able to save some money using these tips. Buying car insurance is not rocket science. Although vehicle owners need to learn how insurance companies determine prices and use this information to your advantage.

Don’t overlook these five insurance discounts

Companies that sell car insurance do not advertise their entire list of discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and also the lesser-known discounts that you may qualify for.

  • No Claim Discounts – Insureds with no claims or accidents get the best insurance rates as compared to insureds who have frequent claims or accidents.
  • Low Mileage Discounts – Keeping the miles down on your GMC can earn lower premium rates due to less chance of an accident.
  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
  • Military Deployment Discount – Having a deployed family member could qualify you for better insurance rates.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will cut your overall premium however.

The best insurance companies and some of the discounts are:

  • Progressive has savings for good student, online signing, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
  • Geico offers discounts including federal employee, five-year accident-free, multi-policy, membership and employees, air bags, and military active duty.
  • State Farm offers discounts for multiple autos, defensive driving training, good driver, accident-free, and good student.
  • Esurance offers premium reductions for online shopper, multi-car, defensive driver, good driver, homeowner, online quote, and renters.
  • The Hartford includes discounts for vehicle fuel type, driver training, defensive driver, bundle, good student, anti-theft, and air bag.

When comparing rates, check with each company or agent which discounts you qualify for. A few discounts may not be offered in your area. To see insurance companies that have a full spectrum of discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy full coverage?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving in Canada or Mexico?
  • Why is insurance for a teen driver so high?
  • Are split liability limits better than a combined single limit?
  • Is my GMC Rally Wagon covered if I use it for business?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Understanding the coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, rock chips in glass, a tree branch falling on your vehicle and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

This can cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like funeral expenses, emergency aid, structural damage, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, X-ray expenses, pain medications, dental work and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1993 GMC Rally Wagon.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Shop around and save

As you shop your coverage around, never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best possible price.

Cost effective 1993 GMC Rally Wagon insurance can be bought both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and these small, regional companies only sell through local independent agencies.

More tips and info about insurance coverage is located in the articles below:

Comments About 1993 GMC Rally Wagon Insurance

  1. Keisha Harrington

    Good site, thanks. From northwest of San Diego, CA. Not sure of all the companies but I ended up saving about $30 each month. Insured with American Family before. Even increased coverage a bit. God forbid I actually have a claim.

  2. Loura Reese

    When should I drop comp and collision?

  3. Haywood Glass

    I’m in Parkersburg, West Virginia, and GEICO rates were affordable. Insured with AIG Insurance before. Thankfully I have a good driving record. :)

  4. Eugena Brock

    Thanks for putting this site together. From a town just southwest of Kailua, Hawaii. Got car insurance prices from GMAC, Amica, MetLife, and a couple others for my 1993 GMC Rally Wagon and I think I cut my rates about $20 each month. I’m thinking about dropping full coverage though.

  5. Carmine Porter

    Does Ohio have minimum liability requirements?

  6. Therese Barton

    It’s all a rip off. I live north of Tucson, AZ. Not sure of all the companies but I ended up saving about $20 each month. I don’t have comp or collision coverage.

  7. Sheena Flynn

    Lots of useful info here. From south side of Portland, Maine. I quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my 1993 GMC Rally Wagon and saved just over $70 a year. It’s still not cheap enough.

  8. Christiane Stafford

    Anyone know if Allstate does SR-22s?

  9. Sarina Gutierrez

    I live just to the south of Great Falls, MT. Quoted a bunch of companies. Saved roughly $20 a month. Progressive was the cheapest for me.

  10. Paz Franco

    Does Allstate offer new car replacement?

  11. Myrtie Jimenez

    Not sure what I should be paying. I’m in Mesa, AZ. Quoted with Sentry, Esurance, Allstate, and AAA for my Rally Wagon and saved $90 a year. I don’t put full coverage on it.

  12. Gay Cotton

    If you don’t have tickets and live in the vicinity of Missoula, MT, check out Allstate. They seem to be cheaper. Got better coverage too. Just go online and compare their rates.

  13. Kathe Brewer

    Will Allstate be cheaper if I raise deductibles?

  14. Isabel Golden

    Will Progressive raise rates for a small claim?