Save on 1999 GMC Safari Car Insurance Quotes

Looking for lower insurance rates for your GMC Safari? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you there are many people just like you.

Insurance companies such as State Farm and Geico promote their brand names with TV and radio ads and consumers find it hard to see through the deception and take the time to shop coverage around.

You should make it a habit to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Just because you had the lowest price on Safari coverage six months ago a different company probably has better rates today. Forget all the misinformation about insurance because you’re about to find out how to use the internet to buy cheaper insurance.

Lesser-known factors impacting GMC Safari insurance rates

It’s important that you understand the factors that help determine the price you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that could result in big savings.

  • Frequent insurance coverage claims increase rates – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies provide discounts to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Younger drivers pay higher rates – Older insureds are more responsible, statistically cause fewer accidents and are safer drivers. Young drivers have a tendency to be careless and easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Your credit rating is important – Your credit history is a important factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 1999 GMC Safari by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
  • Better crash test results mean better rates – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If the GMC Safari earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Marriage brings a discount – Being married can actually save you money when buying insurance coverage. Having a spouse is viewed as being more responsible and statistics show drivers who are married are more cautious.
  • A clean driving record saves money – Whether or not you get tickets has a huge affect on how much you pay. Only having one citation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Your insurance coverage rates can be influenced by your job – Jobs such as real estate brokers, social workers and financial analysts tend to pay higher average rates attributed to stressful work requirements and long work hours. Conversely, occupations such as farmers, engineers and retirees have the lowest average rates on Safari coverage.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known discounts you could be receiving.

  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Safari coverage with a few insurance coverage companies.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not apply everywhere.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether or not you may require specific advice.

  • Is my GMC Safari covered if I use it for business?
  • What is high-risk coverage and where do I buy it?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my state a no-fault state?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Liability coverages

This can cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for dental work, surgery and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Safari.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a bird, hail damage, vandalism and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

More quotes mean more savings

Cost effective 1999 GMC Safari insurance can be bought online and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

In this article, we presented a lot of techniques to reduce insurance prices online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even find the best prices are with a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Additional detailed information is located in the articles below: