Lower Your 1998 GMC Safari Insurance Quotes

Want lower auto insurance rates for your GMC Safari? Have you fallen victim to overpriced auto insurance? Trust us, many consumers feel financially strained by their auto insurance policy.

You have so many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates.

How to Compare Auto Insurance Costs

To find the best auto insurance prices, there are several ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 1998 GMC Safari insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form eliminates the need for separate quotes for each company. One form submission gets rate comparisons from many national carriers.
  2. Another way to find lower rates is to manually visit each individual company website and complete a new quote form. For sake of this example, let’s say you want rates from State Farm, Allstate and GMAC. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The hardest method of comparing rate quotes is driving to different agent offices. The internet has reduced the need for local agents unless you want the professional advice of a local agent. However, consumers can compare the best prices online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles for each comparison quote. If you are comparing different deductibles you will not be able to make a fair comparison for your GMC Safari. Slightly different insurance coverages can mean a large discrepancy in price. It’s important to know that more quotes gives you a better chance of getting better pricing.

Get lower rates on 1998 GMC Safari insurance

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Most are applied when you quote, but lesser-known reductions have to be specially asked for before you get the savings.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Safari insurance than drivers with accidents.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Safari insurance with certain companies.

A little note about advertised discounts, many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

Car insurance companies that may offer these discounts include:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs may require specific advice.

  • Are my friends covered when driving my car?
  • Does coverage extend to my business vehicle?
  • Am I covered if hit by an uninsured driver?
  • Why am I required to buy high-risk coverage?
  • Where can I find high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from a tornado or hurricane, fire damage and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your GMC Safari.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Liability car insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like structural damage, legal defense fees and bail bonds. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your Safari caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, scraping a guard rail, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.