1998 GMC Safari Cargo Insurance Quotes – 7 Ideas for Cheapest Rates

Searching for lower auto insurance rates for your GMC Safari Cargo? Locating low-cost insurance for a new or used GMC Safari Cargo could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to compare rates for a GMC and locate the lowest possible price either online or from local insurance agents.

Ways to get car insurance quotes

Performing a rate comparison can take time and effort if you don’t understand the most efficient way. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use the internet for quick rates.

The majority of car insurance companies enroll in a system that enables customers to submit one quote, and at least one company can provide price quotes. This prevents consumers from doing form submissions for each company. To participate in this free quote system, click here to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose which providers you will receive quotes from. So if you prefer to choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click here to view list.

The approach you take is up to you, just try to keep equivalent quote data with each company. If the quotes have different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Switch companies and save? Really?

Consumers constantly see and hear ads that claim the cheapest premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the companies tend to make the same promise about saving some big amount if you get a free insurance quote and switch your car insurance coverage to their company.

It sounds good, but how can they all charge lower premium rates? It’s all in how they say it.

Many companies quote the lowest rates for the type of customer that will be a good risk. One example of a profitable insured might be between the ages of 40 and 55, has a clear driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters receives the best rates and therefore will save some money.

Drivers who don’t qualify for the requirements will see a higher premium with the end result being the customer not buying. Company advertisements say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can make the claims of big savings. This really illustrates why you really should get insurance quotes as often as possible. It’s not possible to predict which insurance companies will have the lowest rates.

Save money by taking advantage of these seven discounts

Insurance coverage is easily one of your largest bills, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you complete an application, but a few need to be inquired about before you get the savings. If you are not receiving all the discounts possible, you are paying more than you should be.

  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Student Discounts – Getting good grades can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Safety Course Discount – Completing a driver safety class is a good idea and can lower rates and easily recoup the cost of the course.
  • Save with More Vehicles Insured – Having multiple cars or trucks on the same insurance coverage policy can reduce rates for all insured vehicles.
  • Early Signing – Some larger companies reward drivers for switching to them prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Safe Drivers – Accident-free drivers may save up to 50% more for Safari Cargo insurance than less cautious drivers.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a insurance quote.

A quick disclaimer, many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To locate insurance companies with significant discounts, click here.

How much insurance coverage do I need?

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?
  • Can my babysitter drive my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my GMC Safari Cargo covered if I use it for business?
  • Is a new car covered when I drive it off the dealer lot?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need replacement cost coverage on my 1998 GMC Safari Cargo?

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 agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, rock chips in glass, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance covers damage to your Safari Cargo from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills like funeral costs, doctor visits and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as medical expenses, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Be a smart shopper

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, delays in paying claims, unfair underwriting practices and poor customer service. It doesn’t matter what your reason, choosing a new company can be pretty painless.

Discount 1998 GMC Safari Cargo insurance is possible on the web and from local agencies, and you need to price shop both to have the best rate selection. Some insurance providers may not have rate quotes online and many times these smaller providers work with local independent agents.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced full coverage to discover at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at a price you can afford.

Helpful information

Comments About 1998 GMC Safari Cargo Insurance

  1. Colby Crosby

    Just my two cents. Located in Fayetteville, AR. Got quotes with Hartford, AIG Insurance, Sentry, and a couple others for my 1998 GMC Safari Cargo and saved about $120 a year.

  2. Peggy Calhoun

    I live in a small town just outside of South Burlington, VT. Can’t remember who all I quoted but I ended up saving about $10 each month. I don’t insure for physical damage though.

  3. Amelia Case

    Does Progressive insure teenage drivers?

  4. Venetta Munoz

    Lots of good stuff here. I’m in the east part of Bridgeport, Connecticut. Compared rates from a lot of places. Saved right around $30 a month. Progressive was the cheapest option for me.

  5. Albert Morales

    I’m just west of Indianapolis, Indiana. I don’t recall every quote but I ended up saving about $30 each month. Not worth enough to pay for comprehensive and collision.

  6. Marianela Powell

    In Honolulu, HI, State Farm is a good choice. Insured with USAA before. Highly recommended. I don’t have comp or collision coverage.

  7. Cassi Taylor

    If you’re a decent driver and live around Wichita, Kansas, check out 21st Century. I saved quite a bit. I increased coverages a little too. It was easy to get rates.

  8. Constance Fletcher

    I live in Minneapolis, Minnesota. Quoted prices online for a 1998 GMC Safari Cargo. Ended up at about $110 savings annually. Went with Progressive. Can still barely afford it.