2004 GMC Envoy XUV Insurance Rates – 9 Tricks for Cheaper Quotes

Searching for lower auto insurance rates for your GMC Envoy XUV? Did you make the mistake of buying overpriced auto insurance? You’re in good company because many drivers feel the same as you.

Since vehicle owners have many companies to choose from, it can be challenging to choose the cheapest insurance company.

It’s important to take a look at other company’s rates occasionally since prices fluctuate regularly. Just because you had the best rate for Envoy XUV insurance a year ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, but I’m going to show you some of the best techniques to save money.

Finding the best rates is not that difficult. In a nutshell, every driver who is required by state law to have insurance should be able to lower their premiums. Although consumers do need to learn how big insurance companies determine prices and take advantage of how the system works.

Do you qualify for these nine discounts?

Car insurance companies do not advertise every discount they offer very well, so the list below contains both the well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

  • Multiple Cars – Buying insurance for more than one vehicle with the same car insurance company can get a discount for every vehicle.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a slight reduction on a auto insurance quote for Envoy XUV insurance.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Safe Drivers – Accident-free drivers may receive a discount up to 45% for Envoy XUV insurance than their less cautious counterparts.
  • Waiver for an Accident – This one is not really a discount per se, but some companies like Progressive, Allstate, and GEICO will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a set time period.
  • College Student – Kids who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid the installment charge.
  • Memberships – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when getting a auto insurance quote.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger car insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm offers discounts for Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, multiple autos, anti-theft, and safe vehicle.
  • Farmers Insurance has discounts for early shopping, teen driver, homeowner, distant student, pay in full, mature driver, and bundle discounts.
  • GEICO discounts include military active duty, multi-policy, driver training, air bags, good student, and anti-lock brakes.
  • American Family may offer discounts for bundled insurance, air bags, mySafetyValet, TimeAway discount, and good driver.
  • Nationwide includes discounts for anti-theft, defensive driving, business or organization, accident-free, multi-policy, easy pay, and family plan.
  • Progressive may have discounts that include homeowner, multi-vehicle, multi-policy, continuous coverage, good student, and online quote discount.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some credits might not apply in your area. To find companies that can offer you the previously mentioned discounts, click here to view.

Low cost insurance coverage prices

Effectively comparing insurance coverage prices can take hours if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day talking to insurance agencies in your area, or you could use the internet to get prices fast.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company can give them a price for coverage. This saves time by eliminating quote forms to each individual insurance coverage company.

To compare rates now click here to start a free quote.

The one disadvantage to using this type of system is you are unable to specify which carriers you want to price. If you prefer to choose from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to use nearly identical quote data for each comparison quote. If the quotes have higher or lower deductibles it’s not possible to determine the lowest rate for your GMC Envoy XUV. Just a small difference in insurance coverages could skew the results. And when quoting insurance coverage, remember that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get quotes on coverage from those companies, too.

Don’t assume everyone needs the same auto insurance coverage

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help highlight whether or not you will benefit from professional help.

  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does liability extend to a camper or trailer?
  • Am I covered when using my vehicle for business?
  • Exactly who is provided coverage by my policy?
  • What is PIP insurance?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your GMC Envoy XUV.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as surgery, dental work and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, legal defense fees, medical expenses, bail bonds and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Envoy XUV caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, damage from a tornado or hurricane and a broken windshield. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

A few companies may not offer the ability to get quotes online and many times these small, regional companies provide coverage only through independent insurance agencies. Low-cost 2004 GMC Envoy XUV insurance is attainable from both online companies and from local agencies, and you need to comparison shop both to have the best rate selection.

When you buy auto insurance online, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped physical damage coverage only to regret that it was a big error on their part. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.

You just learned a lot of tips how to compare 2004 GMC Envoy XUV insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like State Farm and Allstate.

Even more information is located in these articles:

Comments About 2004 GMC Envoy XUV Insurance

  1. Karren Poole

    Is GEICO or State Farm cheaper in Phoenix, AZ?

  2. Jenny York

    From northwest of Parkersburg, WV. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my Envoy XUV and I think I saved around $30 each month. I have a couple other vehicles on the policy. Bought it from an online quote. Only insure liability on my Envoy XUV.

  3. Kip Cross

    Located in Wilmington, Delaware. Not sure of all the companies but I ended up saving about $20 each month. I have a teen driver too. When should I drop full coverage?

  4. Eusebio Burris

    Lifelong resident of Fairbanks, AK. Quoted quotes with Auto-Owners, MetLife, and a few others for my Envoy XUV and I think I saved around $30 each month. Switched homeowners coverage too. :) I just carry liability insurance.

  5. Carol Webster

    Here’s what I found out. Found cheapest coverage with MetLife for my 2004 GMC Envoy XUV and saved around $70 a year. Hardly afford to drive anymore.

  6. Marcel Carpenter

    Checking in from Portland, OR. Got car insurance quotes from American Family, Sentry, and Travelers for my Envoy XUV and I think I saved around $20 each month. Even increased coverage a bit.

  7. Kori Gonzalez

    Proud to be from Warwick, RI. Went online for free insurance quotes for a 2004 GMC Envoy XUV. Ended up at about $90 savings annually. Went with 21st Century. It never hurts to quote around. I think I’ll get rid of full coverage next time.

  8. Merrie Palmer

    From a town just southwest of Bellevue, NE. Don’t remember every company but I ended up saving about $20 each month. They were helpful in switching over. It’s only liability tho.

  9. Johnnie Bentley

    What is UM/UIM coverage?

  10. Annett Whitney

    In Great Falls, MT, 21st Century auto insurance rates for my 2004 GMC Envoy XUV were good.

  11. Mitchel Beach

    I found pretty cheap rate quotes for a 2004 GMC Envoy XUV in Hilo, HI. Ended up at about $90 every six months with Auto-Owners. LOL I don’t insure for physical damage though.