Compare 2009 GMC Envoy Insurance Quotes

I can’t think of anyone who looks forward to paying premiums for car insurance, especially when they know they could get a better deal.

There is such a variety of car insurance companies to pick from, and even though it’s nice to be able to choose, more choices can make it harder to locate the cheapest rates.

Discount car insurance quotes

Companies don’t always list every discount very well, so we took the time to find both the well known and the more hidden discounts that you may qualify for.

• Multiple Vehicles – Purchasing coverage when you have more than one vehicle on a single policy could earn a price break for each car.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
• Smart Student Discounts – Being a good student can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• Switch and Save Discount – A few insurance companies offer discounts for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Defensive Driving Course – Successfully completing a course in safe driver could cut 5% off your bill and make you a better driver.
• Active Military Service – Being deployed in the military could qualify you for better premium rates.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance too.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you could get a free car insurance policy, you’re out of luck.

The best car insurance companies and some of the discounts can be found below.

• State Farm has discounts for good driver, anti-theft, driver’s education, student away at school, and defensive driving training.
• Farmers Insurance offers premium reductions for early shopping, teen driver, business and professional, youthful driver, distant student, and pay in full.
• Geico may include discounts for five-year accident-free, driver training, emergency military deployment, daytime running lights, multi-vehicle, and seat belt use.
• American Family may have discounts that include mySafetyValet, good student, good driver, early bird, TimeAway discount, multi-vehicle, and bundled insurance.
• Nationwide policyholders can earn discounts including accident-free, defensive driving, business or organization, multi-policy, anti-theft, and easy pay.
• Progressive offers discounts including good student, online quote discount, homeowner, online signing, continuous coverage, multi-policy, and multi-vehicle.

Double check with each company how you can save money. Discounts might not be offered on policies in your area. To see a list of providers who offer discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Where can I get insurance after a DUI in my state?
• Do I need higher collision deductibles?
• Does having multiple vehicles earn me a discount?
• What is the rate difference between pleasure use and commuting?
• When would I need additional glass coverage?
• Can I rent a car in Mexico?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Can you really save if you switch?

Insurance coverage providers like Allstate, Geico and Progressive seem to constantly run ads in print and on television. All the ads say the same thing that drivers will save a bundle if you get a free car insurance quote and switch your policy. It sounds good, but how can they all say the same thing?

Insurance coverage companies have a preferred profile for the type of customer that will be a good risk. An example of a profitable customer may need to be between the ages of 30 and 50, has had continuous coverage, and does not commute to work. A customer who fits that profile will get very good premium rates and is almost guaranteed to save when they switch companies.

Insureds who do not meet the requirements must pay more expensive rates with the end result being business going elsewhere. The ads state “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully state the savings.

This illustrates why drivers should compare price quotes frequently. It is impossible to predict which company will give you the biggest savings.

The coverage is in the details

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Collision insurance

This coverage will pay to fix damage to your Envoy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your GMC Envoy.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto liability

This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, medical services, attorney fees, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, EMT expenses, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Smart shoppers get results

As you prepare to switch companies, never buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to find out that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price.

Throughout this article, we presented a lot of techniques to shop for 2009 GMC Envoy insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from a small mutual company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

More information can be found on the following sites:

• State Car Insurance Guides (Geico)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)