Compare 2004 GMC Safari Cargo Car Insurance Rates

I can’t think of anyone who likes paying for insurance, especially when they know the cost is way too high.

Companies like State Farm, Allstate, Geico and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

How do insurance providers determine GMC Safari Cargo insurance prices?

Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are more obscure such as your marital status or how safe your car is.

• Additional coverages that may be costing you – There are a ton of optional add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like coverage for rental cars, death and dismemberment, and membership fees are some examples. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
• Gender and insurance coverage costs – The statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Both genders cause fender benders at about the same rate, but the men cause more damage. Men also get more serious tickets like reckless driving and DUI.
• Discounts for theft deterrents – Buying a car that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
• Good credit means lower rates – A driver’s credit score factor in calculating your premium rate. Consumers who have excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores. Therefore, if your credit score could use some work, you could be paying less to insure your 2004 GMC Safari Cargo if you clean up your credit.
• Big city or small town – Residing in less populated areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. City drivers tend to have traffic congestion and more severe claims. Higher commute times means more chances of being involved in an auto accident.
• Raise comp and collision deductibles and save – Your deductibles are the amount of money the insured will be required to pay in the event of a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are a windshield broken by a bird, hail damage, and damage caused by road hazards. The more of the claim you have to pay, the less your insurance will be on Safari Cargo coverage.

Take advantage of every car insurance discount

Some companies don’t always advertise every policy discount in an easy-to-find place, so we break down a few of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
• 55 and Retired – If you’re over the age of 55, you could receive a small decrease in premiums on Safari Cargo coverage.
• Driver Safety – Passing a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
• ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Student Discounts – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Most companies allow this discount well after school through age 25.
• Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.
• Multiple Vehicles – Buying insurance for primary and secondary vehicles on the same car insurance policy may reduce the rate for each vehicle.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will definitely reduce the premium cost.

A list of car insurance companies and a partial list of their discounts include:

• State Farm offers discounts including student away at school, defensive driving training, good student, Steer Clear safe driver discount, multiple policy, and Drive Safe & Save.
• Nationwide has discounts for Farm Bureau membership, easy pay, accident-free, defensive driving, multi-policy, and family plan.
• Geico includes discounts for air bags, seat belt use, five-year accident-free, daytime running lights, defensive driver, military active duty, and emergency military deployment.
• AAA offers discounts for good student, education and occupation, good driver, anti-theft, AAA membership discount, and multi-car.
• 21st Century offers premium reductions for defensive driver, automatic seat belts, air bags, anti-lock brakes, and student driver.
• The Hartford may offer discounts for good student, driver training, bundle, defensive driver, anti-theft, and air bag.

Check with each insurance company which credits you are entitled to. Some credits may not apply in your area. If you would like to view insurance companies with significant discounts, click here to view.

Truth in auto insurance advertising

Auto insurance providers like Allstate and Progressive consistently run ads in print and on television. All the companies have a common claim that you can save if you move your policy. How can each company say the same thing? It’s all in the wording.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. For example, a desirable risk might have to be married and over the age of 30, has no prior claims, and has a short commute. Any person who matches that profile will most likely get cheap rates and will also save when they switch companies.

Potential customers who are not a match for this ideal profile may be required to pay higher premium rates and this can result in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can confidently make it sound like they have such great prices.

That is why it’s extremely important to quote coverage with many companies. It is impossible to guess which auto insurance company will provide the lowest premium rates.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need medical payments coverage since I have good health insurance?
• Are rock chip repairs covered?
• Does having multiple vehicles earn me a discount?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about 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.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Collision insurance

Collision insurance covers damage to your Safari Cargo caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like hospital visits, dental work, rehabilitation expenses, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, damage from a tornado or hurricane, hitting a deer, hitting a bird and a broken windshield. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Safari Cargo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Liability coverage

This coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

A penny saved is a penny earned

We covered many ways to shop for 2004 GMC Safari Cargo insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

Affordable 2004 GMC Safari Cargo insurance is attainable on the web as well as from independent agents, so you need to quote auto insurance with both to have the best rate selection. There are still a few companies who may not offer rate quotes online and these regional carriers provide coverage only through independent agencies.

Other resources

• Driving in Bad Weather (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)