1999 GMC Safari Insurance Quotes

Using the web to shop for auto insurance quotes online probably sounds like a formidable task if you are one of the millions of people new to online price comparisons. But don’t be bewildered because finding better quotes is actually fairly simple.

Save money with these tips

Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, but some are not quite as obvious like where you live or your vehicle rating.Smart consumers have a good feel for the different types of things that help determine your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could help you find lower premium levels.

The following are some of the major factors used by companies to determine your rate level.

• High comp and collision deductibles reduce premiums – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your GMC. Some examples of claims that would be covered would be a dented fender, hitting a deer, and windstorm damage. Physical damage deductibles define the amount you are willing to pay in the event of a claim. The more the insured has to pay upfront, the better rate you will receive for Safari coverage.
• Responsible credit equals lower rates – Your credit score is a large factor in calculating your auto insurance rates. Consumers who have very good credit scores tend to be better risks to insure than drivers with bad credit. So if your credit rating leaves room for improvement, you could pay less to insure your 1999 GMC Safari by improving your rating.
• Pleasure use or commuting – Driving more miles each year the higher your rate. The majority of insurers charge to insure your cars partially by how you use the vehicle. Vehicles that have low annual miles get more affordable rates compared to those used for work or business. It’s a smart idea to ensure your auto insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Safari may be costing you.
• Policy lapses lead to higher premiums – Driving with no insurance can get you a ticket and auto insurance companies will penalize you for letting your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance will get you fines or a revoked license.
• High policy claims frequency drives up rates – Car insurance companies provide most affordable rates to policyholders who are claim-free. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended for major claims that would cause financial hardship.
• More traffic means higher claims – Being located in small towns and rural areas may provide you with better prices when shopping for auto insurance. Fewer people means fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with more auto accidents and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.
• Remove unneeded incidental coverages – Policies have additional extra coverages you can purchase if you aren’t careful. Insurance for personal injury protection, accidental death, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when you first buy your policy, but now you might not need them so eliminate them to save money.
• Men are more aggressive – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Women and men are in auto accidents at a similar rate, but the male of the species tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.

Car insurance companies offer many discounts

Companies don’t always list every disount available in an easy-to-find place, so we break down a few of the more common and the harder-to-find credits that you can use to lower your rates.

• First Accident Forgiveness – but a few companies such as Geico and Liberty Mutual allow you one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
• Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20% or more.
• Defensive Driver Discount – Successfully completing a defensive driver class is a good idea and can lower rates if you qualify.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less as opposed to insureds who have frequent claims or accidents.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Large car insurance companies and their offered discounts are shown below.

• Geico offers discounts including anti-theft, multi-vehicle, seat belt use, defensive driver, multi-policy, driver training, and good student.
• MetLife offers premium reductions for claim-free, good driver, defensive driver, good student, multi-policy, accident-free
• State Farm may include discounts for Drive Safe & Save, defensive driving training, student away at school, multiple policy, safe vehicle, Steer Clear safe driver discount, and good driver.
• Progressive has discounts for multi-policy, multi-vehicle, online quote discount, homeowner, continuous coverage, online signing, and good student.
• Mercury Insurance discounts include accident-free, multi-policy, professional/association, anti-theft, and good driver.
• 21st Century may offer discounts for defensive driver, air bags, theft prevention, teen driver, 55 and older, and good student.
• Allstate may have discounts that include good student, new car, premier plus, passive restraint, anti-lock brakes, good payer, and multi-policy.

Before buying, ask each company or agent which discounts you qualify for. Discounts might not be available to policyholders everywhere.

Do I just need basic coverages?

When buying the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Should I buy only the required minimum liability coverage?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Will my insurance pay for OEM parts?
• I have health insurance so do I need medical payments coverage?
• What should my uninsured motorist coverage limits be in my state?
• When would I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your insurance policy

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as medical services, repair bills for other people’s vehicles, court costs and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your GMC Safari.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This 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 claims such as vandalism, hitting a deer and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, damaging your car on a curb, driving through your garage door, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, chiropractic care, hospital visits, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Never pay more for less

Budget-friendly insurance coverage can be sourced on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

People leave their current company for a number of reasons such as extreme rates for teen drivers, high prices, delays in responding to claim requests or even not issuing a premium refund. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Additional learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• What is a Telematics Device? (Allstate)
• Safety Belts FAQ (iihs.org)
• Booster Seat Ratings (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)