Cheaper 2002 GMC Safari Cargo Insurance Rates

Searching for the cheapest insurance for a GMC Safari Cargo can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used GMC and get the best price possible.

You should take the time to price shop coverage as often as possible because car insurance rates trend upward over time. Despite the fact that you may have had the best premium rates for Safari Cargo coverage a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

What determines GMC Safari Cargo insurance premiums?

Lots of factors are part of the equation when you quote your car insurance policy. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or how safe your car is.

The list below includes a partial list of the pieces used by your company to calculate your rate level.

  • No claims equals lower insurance rates – If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies award lower rates to insureds who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Higher prices for coverage lapses – Allowing your coverage to lapse is a guaranteed way to increase your insurance rates. Not only will you pay higher rates, getting caught without coverage could earn you a steep fine or even jail time.
  • Males are more aggressive – Statistics show that females take fewer risks when driving. However, this does not mean females are better at driving than males. Females and males cause accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations like driving under the influence (DUI).
  • Single drivers take more risk – Being married can get you a discount when shopping for insurance. Having a significant other usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Lower stress equals lower premiums – Occupations such as fire fighters, social workers and accountants usually pay higher average rates attributed to intense work-related stress and lengthy work days. Conversely, careers like farmers, students and retirees get better rates for Safari Cargo coverage.
  • Lower rates with a multi-policy discount – Lots of insurers allow a discount to clients who carry more than one policy. It’s known as a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, drivers will still want to compare rates to help ensure you have the lowest rates.

Lower-cost insurance quotes with discounts

Auto insurance companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so the next list breaks down some of the more common as well as the least known insurance savings.

  • Distant Student Discount – Youth drivers who live away from home at college and don’t have a car could qualify for this discount.
  • E-sign Discounts
  • Professional Organizations – Being in specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for insurance.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before they charge you more for coverage if you have no claims for a certain period of time.
  • Early Signing – A few insurance companies offer discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and will save you 10% or more.
  • No Accidents – Drivers with accident-free driving histories pay much less compared to policyholders that have many claims.

It’s important to understand that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

To choose insurers with the best insurance discounts, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Is rental equipment covered for theft or damage?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • What is medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, court costs, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, surgery, EMT expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, damage from flooding and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Feed the piggy bank

In this article, we covered a lot of tips how to reduce 2002 GMC Safari Cargo insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost car insurance. You may even discover the biggest savings come from an unexpected company.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to discover later that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

Cheaper car insurance is attainable from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. Some car insurance companies may not offer rate quotes online and most of the time these smaller companies sell through independent agencies.

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Comments About 2002 GMC Safari Cargo Insurance

  1. Racheal Martin

    It’s all a rip off. From northwest of Reno, NV. Got free quotes online for a 2002 GMC Safari Cargo. Ended up at about $90 savings annually. Went with Allstate. Did it all online.

  2. Shawn Cross

    I live in a small town just outside of Seattle, WA and for me 21st Century had the lowest quote. Left Western Auto Insurance to switch. Anyone else drop full coverage?

  3. Joyce Puckett

    Does Progressive use ACV or replacement cost?

  4. Mitchell Harrell

    Does Progressive prorate premiums at cancellation?

  5. Catherin Ruiz

    Mine is so expensive. I’m from Providence, Rhode Island. I quoted with Safeco, Eastwood, 21st Century, and American Family for my GMC and I think I saved about $20 each month. Still almost need a second mortgage. I think I’ll get rid of full coverage next time.

  6. Alejandro Sawyer

    Not sure if this is cheap. I live on the west side of Rochester, NY. Checked online prices for a 2002 GMC Safari Cargo. Ended up at about $70 savings annually. Went with Progressive.

  7. Marquerite Santiago

    Does Rhode Island have minimum liability requirements?

  8. Tory Randolph

    Quoted with Hartford for my Safari Cargo and am saving around $100 a year.

  9. Liberty Patrick

    I’m in the suburbs of Lexington, Kentucky. Checked online prices for a 2002 GMC Safari Cargo. Ended up at about $80 savings annually. Went with 21st Century. Was with AIG Insurance. Might find lower rates online. Just liability coverage since it’s getting old.

  10. David White

    Cheaper car insurance is a myth. Live in Detroit, Michigan. I quoted with Progressive, AAA, and Encompass for my 2002 GMC Safari Cargo and cut my rates about $60 a year. Left Auto-Owners to switch. Still almost need a second mortgage.

  11. Tosha Walls

    21st Century is cheapest in Florida! :)

  12. Brook Golden

    I think GEICO has low rates in Pennsylvania. For me anyway.

  13. Lucila Martinez

    I went with 21st Century at renewal. Best rates in North Charleston, South Carolina. My GMC doesn’t have full coverage.