Lower Your 2000 GMC Safari Car Insurance Cost

No normal person enjoys paying for auto insurance, particularly when their premiums are too high. Insurance companies such as Allstate, Progressive and GEICO continually bombard you with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It is always a good idea to compare premium rates once or twice a year because auto insurance prices are rarely the same from one policy term to another. If you had the best price on Safari insurance last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to remove unneeded coverages and save money.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the best way to get comparison rates online.

Slash your insurance rates with discounts

Some insurers don’t list the complete list of policy discounts very clearly, so the next list breaks down a few of the more well known and the more hidden discounts that you may qualify for.

  • Telematics Devices – Drivers who agree to allow driving data collection to monitor their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • Accident Free – Good drivers with no accidents have much lower rates in comparison to policyholders that have many claims.
  • Bundle and Save – If you can combine your home and auto policy with the same insurance company you will save at least 10% off all policies.
  • Drive Less and Save – Low annual miles can qualify you for cheaper premium rates.
  • Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote auto insurance on Safari insurance but check with your company.
  • Homeowners Discount – Simply owning a home can help you save on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Smart Student Discounts – This discount can save 20 to 25%. Most companies allow this discount until age 25.
  • Memberships – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.

As a sidenote, most discounts do not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and some of the premium reductions they offer include:

  • 21st Century has discounts for anti-lock brakes, defensive driver, homeowners, air bags, driver training, teen driver, and automatic seat belts.
  • State Farm may have discounts that include safe vehicle, good driver, accident-free, student away at school, and multiple policy.
  • AAA policyholders can earn discounts including good student, AAA membership discount, multi-policy, good driver, and multi-car.
  • Liberty Mutual offers premium reductions for preferred payment discount, teen driver discount, new move discount, newly married, newly retired, and exclusive group savings.
  • Progressive includes discounts for online signing, homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.

Before buying, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area. To locate insurers that offer many of these discounts, click here.

What determines GMC Safari insurance prices?

A large part of saving on auto insurance is knowing the factors that help determine the rates you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels.

The following are some of the factors used by companies to determine rates.

  • Don’t skimp on liability – Your policy’s liability coverage will provide protection in the event that a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Rural vs Urban Areas – Residing in a small town is a positive aspect when buying auto insurance. Residents of big cities tend to have more road rage incidents and longer commutes to work. Fewer people means reduced accidents in addition to lower liability claims
  • When should you not file a claims? – If you file a lot of claims you should expect much higher rates or policy non-renewal. Insurance companies award most affordable rates to insureds that do not abuse their auto insurance. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Car plus home equals more savings – Many insurers give lower prices to policyholders that purchase more than one policy in the form of a multi-policy discount. Even if you already get this discount, you still need to compare other company rates to ensure the best deal. You may still be able to save even more than the discount by insuring with multiple companies.
  • Cheaper to insure females? – Statistics have proven that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Males and females cause auto accidents in similar percentages, but the males get into accidents with more damage. They also have more aggressive citations like reckless driving and DUI.
  • Marriage can lower rates – Getting married can get you a discount when buying auto insurance. Marriage usually means you are more responsible and statistics show married couples file fewer claims.
  • Vocation impacts rates – Occupations such as lawyersairline pilots and accountants usually pay higher rates than average attributed to intense work situations and long work days. Other occupations like actors, engineers and homemakers pay the least on Safari insurance.

You are unique and your auto insurance should be too

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether or not you would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Are split liability limits better than a combined single limit?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my nanny covered when driving my vehicle?
  • Am I insured when driving a different vehicle?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, doctor visits, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, attorney fees, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Safari.

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 should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Be Smart and Buy Smart

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest cost.

Budget-friendly insurance coverage is available both online as well as from insurance agents, and you should be comparing both to have the best selection. Some companies may not provide rate quotes online and many times these regional insurance providers work with independent agents.

You just read many tips how you can compare 2000 GMC Safari insurance car insurance rates online. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive auto insurance. Consumers may even find the lowest car insurance rates are with an unexpected company. Smaller companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

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Comments About 2000 GMC Safari Insurance

  1. Glennie Cantu

    I’m just east of San Diego, CA. Received quotes with GMAC, AAA, MetLife, and a couple others for my 2000 GMC Safari and saved $109 a year. Insured with The General before. Just go online and compare their rates.

  2. Conception Hensley

    Here’s my quote info. From east side of Warwick, Rhode Island. Quoted with AAA, Encompass, and Nationwide for my GMC and cut my rates about $70 a year. Have a couple speeding tickets too. :)

  3. Jennette Frye

    Checking in from Rapid City, South Dakota. I don’t recall every quote but I ended up saving about $20 each month. Not sure if rates are cheaper online or not. Not worth enough to pay for comprehensive and collision.

  4. Celestine Roberts

    From west side of Columbus, GA. Received rates from State Farm, AIG Insurance, Encompass, and Hanover for my 2000 GMC Safari and saved just over $100 a year. A clean driving record helps. Not sure if rates are cheaper online or not.

  5. Hyon Reed

    Great site. I live in Idaho Falls, Idaho. Compared rates from a lot of places. Saved right around $20 a month. Allstate was the cheapest for me. Left Hartford to switch. Even increased my liability limits. I’m thinking about dropping full coverage though.

  6. Jocelyn Finch

    IT’S ALL TOO EXPENSIVE! I live just to the north of Virginia Beach, VA. I quoted with Amica, Sentry, and some smaller one I can’t remember the name of for my Safari and saved just over $90 a year. Hardly afford to drive anymore. I dropped full coverage awhile back.

  7. Dena Shepard

    Is a custom audio system covered by insurance?

  8. Rupert Roy

    Does GEICO have good customer service?

  9. Gena Taylor

    Anyone buy from American Family? I’m in Norfolk, Virginia.