Lower Your 2003 GMC Safari Car Insurance Quotes

Want the cheapest insurance coverage rates for your GMC Safari? Are you at wits end from being strong-armed to pay your insurance coverage bill each month? You are in the same boat as many other drivers.

There are many insurers to buy insurance from, and although it’s nice to be able to choose, more options can take longer to find the best rates.

Consumers should take time to shop coverage around as often as possible because prices are rarely the same from one policy term to another. Even if you think you had the best deal on Safari coverage last year a different company probably has better premium rates today. Block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

How your Safari insurance prices are determined

Many factors are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving record, although others are less apparent like your vehicle usage or your commute time.

• Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and lower rates of occupant injuries means less claims paid and lower rates for you.
• Your career may increase prices – Occupational choices like judgespolice officers and medical professionals generally pay higher rates than average because of intense work requirements and long work days. On the other hand, professions such as professors, engineers and performers receive lower rates on Safari coverage.
• Know your credit history – Having a bad credit score can be a huge factor in determining what you pay for insurance. Insureds with very high credit ratings tend to file fewer claims than drivers with lower ratings. Therefore, if your credit history is lower than you’d like, you could be paying less to insure your 2003 GMC Safari by improving your rating.
• Costs may be higher where you live – Having an address in a rural area has definite advantages when buying insurance. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. Residents of big cities tend to have more road rage incidents and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
• Which gender costs less? – Over time, data shows that females tend to be a little less risky than males. However, this does not mean women are BETTER drivers than men. Females and males are in auto accidents at a similar rate, but the males tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
• Good drivers have lower premiums – Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Even a single speeding ticket can increase rates by twenty percent. Drivers who get flagrant citations like DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.

Get lower-cost rates by taking advantage of discounts

Insurance coverage is expensive, but you may be missing some discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but a few need to be requested specifically prior to receiving the credit.

• More Vehicles More Savings – Buying a policy with several vehicles on a single policy qualifies for this discount.
• Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts could save 15% on medical payment and PIP coverage.
• Accident Forgiveness Coverage – Not really a discount, but some companies like Geico, State Farm, and Progressive allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
• Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Safari coverage than drivers with accidents.
• Online Discount – Some of the larger companies will provide an incentive for buying your policy on the web.
• Memberships – Joining a qualifying organization could qualify you for a break when getting a auto insurance quote.
• Buy New and Save – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer vehicles.
• Payment Method – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
• No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote when compared with drivers who are more careless.
• Discount for Low Mileage – Low mileage vehicles can earn lower prices on the low mileage vehicles.

It’s important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their offered discounts include:

• Geico policyholders can earn discounts including military active duty, good student, air bags, emergency military deployment, federal employee, seat belt use, and daytime running lights.
• Travelers offers discounts including new car, student away at school, continuous insurance, home ownership, payment discounts, multi-policy, and multi-car.
• Farm Bureau may offer discounts for good student, driver training, safe driver, multi-vehicle, 55 and retired, and youthful driver.
• Liberty Mutual offers premium reductions for newly retired, new vehicle discount, new graduate, preferred payment discount, teen driver discount, and hybrid vehicle.
• American Family includes discounts for defensive driver, bundled insurance, Steer into Savings, multi-vehicle, mySafetyValet, and good driver.
• Progressive may include discounts for good student, multi-vehicle, online signing, continuous coverage, multi-policy, and online quote discount.

If you want the cheapest auto insurance quotes, ask every prospective company to apply every possible discount. Some discounts listed above might not be offered in your area. To locate insurance coverage companies that provide some of the discounts listed above, click this link.

Well known brands might not be cheapest

State Farm, Allstate and Geico endlessly run ads on television and other media. All the companies say the same thing that you’ll save big if you get a free auto insurance quote and switch your auto insurance policy to them. How do they all make the same claim?

All the different companies quote their best rates for the type of insured that is profitable for them. A good example of this type of driver may be over the age of 35, has never had a claim, and drives less than 10,000 miles a year. Anyone who meets those qualifications will probably get cheap prices and will probably save money with a new company.

Potential customers who do not fit the ideal profile will be charged a higher rate with the end result being the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently advertise the savings.

Each company has different criteria, so you really need to compare many company’s rates. It’s impossible to know which company will have the lowest rates.

How much insurance coverage do I need?

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• Am I covered if I wreck a rental car?
• Where can I find DUI or SR-22 insurance?
• Am I covered if hit by an uninsured driver?
• What is roadside assistance coverage?
• Does liability extend to a camper or trailer?
• Do I need PIP (personal injury protection) coverage in my state?
• What are the financial responsibility laws in my state?
• Is pleasure use cheaper than using my 2003 GMC Safari to commute?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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 values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Safari.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision insurance will pay to fix damage to your Safari from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for surgery, funeral costs, chiropractic care and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

The best insurance company isn’t always the cheapest

You just read quite a bit of information on how to compare 2003 GMC Safari insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable auto insurance. Consumers could even find that the lowest prices come from a smaller regional carrier. They often have lower rates on specific markets as compared to the big name companies such as Progressive or Geico.

When buying insurance coverage, never reduce coverage to reduce premium. In many cases, drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Other information

• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)