How Much Does 1999 GMC Safari Cargo Insurance Cost?

Looking for the cheapest insurance rates for your GMC Safari Cargo? Are you at wits end from wondering where the money will come from to insure your GMC every month? You are in the same boat as many other drivers.

You have so many auto insurance companies to pick from, and although it’s nice to have a choice, it can be more challenging to find the lowest rates.

Low cost car insurance

To find cheap rates, there are a couple of ways of comparing price quotes from lots of car insurance companies. The quickest method to compare rates is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

1. If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form submissions for each company. One form submission will return quotes from many national carriers.
2. A different way to analyze rates requires visiting each company website and fill out a new quote form. For sake of this example, we’ll pretend you need rates from Geico, Allstate and Farmers. You would be required to go to every website to enter your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.

Compare rates however you want, just try to keep equivalent coverage information on every quote you get. If you are comparing different liability limits then you won’t be able to find the best deal for your GMC Safari Cargo. Even a minor difference in coverages may result in large price differences. And when price shopping your coverage, comparing more rates from different companies will enable you to find a lower rate.

But the ad said I’d save 15% in 15 minutes!

Big name companies like Allstate and Progressive consistently run ads on television and other media. All the ads state the claim of big savings if you just switch your policy. How is it plausible that every one can give you a better price? It’s all in the numbers.

All companies give the cheapest rates for a prospective insured that will not have excessive claims. A good example of a preferred risk might have to be over the age of 35, has never had a claim, and the vehicle is rated for pleasure use. A customer that hits that “sweet spot” will get low premium rates and most likely will save money with a new company.

Potential insureds who don’t measure up to those criteria may be required to pay higher rates and this results in the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can make it sound like they have such great rates.

Each company has different criteria, so drivers must compare many company’s rates. It is impossible to guess which company will provide you with the cheapest prices.

Drivers can save with these discounts

Insurance coverage is easily one of your largest bills, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be applied at quote time, but a few need to be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

• Homeowners Discount – Owning a home can save you money because of the fact that having a home means you have a higher level of financial diligence.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance for Safari Cargo coverage with select insurance companies.
• Life Insurance – Larger insurance companies have a small discount if you purchase auto and life insurance together.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Onboard Data Collection – Drivers who elect to allow driving data submission to look at driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
• Resident Student – who live away from home to go to college and do not take a car to college can receive lower rates.
• Payment Method – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

The best insurance coverage companies and some of the discounts can be read below.

• Geico policyholders can earn discounts including anti-theft, seat belt use, driver training, daytime running lights, air bags, military active duty, and multi-policy.
• Travelers may include discounts for multi-car, save driver, student away at school, early quote, continuous insurance, and hybrid/electric vehicle.
• Nationwide offers discounts including family plan, easy pay, business or organization, anti-theft, and defensive driving.
• Farmers Insurance has savings for pay in full, homeowner, bundle discounts, good student, mature driver, and alternative fuel.
• Esurance may have discounts that include paid-in-full, good driver, multi-car, renters, online quote, Pac-12 alumni, and emergency road assistance.
• State Farm includes discounts for accident-free, Drive Safe & Save, good student, defensive driving training, good driver, multiple autos, and anti-theft.
• Progressive discounts include homeowner, online signing, good student, online quote discount, and multi-policy.
• Mercury Insurance has discounts for anti-theft, low natural disaster claims, type of vehicle, age of vehicle, location of vehicle, and accident-free.

If you want cheaper insurance quotes, ask every insurance company what discounts are available to you. Discounts may not be offered in your area. To locate companies that offer the discounts shown above, click this link.

Special considerations

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether your personal situation may require specific advice.

• Can I rent a car in Mexico?
• Why is insurance for a teen driver so high?
• Is motorclub coverage worth it?
• How do I file an SR-22 for a DUI in my state?
• Should I have combined single limit or split liability limits?
• I have good health insurance, so how much medical payments coverage do I need?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Learn about auto insurance coverages for a GMC Safari Cargo

Understanding the coverages of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

Auto liability – Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like emergency aid, structural damage, loss of income, medical services and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your GMC Safari Cargo.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, fire damage, theft and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

You just learned quite a bit of information on how to get a better price on 1999 GMC Safari Cargo insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising. These companies often have lower rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Some insurance companies do not offer online price quotes and usually these smaller providers only sell coverage through local independent agencies. Discount 1999 GMC Safari Cargo insurance is possible both online and from local agencies, and you should be comparing both to get a complete price analysis.

When searching for cheap insurance quotes, don’t be tempted to buy less coverage just to save a little money. In too many instances, someone sacrificed liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

To read more, feel free to visit these articles:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• What is a Telematics Device? (Allstate)
• Frontal Crash Tests (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)