Lower Your 2008 GMC Envoy Insurance Rates

No one likes paying for auto insurance, especially knowing the price is too high. You have so many insurers to choose from, and although it’s a good thing to have multiple companies, it makes it harder to compare rates.

Compare the Market for Auto Insurance

Getting a lower price on 2008 GMC Envoy insurance is a fairly straight forward process. All you need to do is spend a little time comparing rates provided by online insurance companies. This can be done in a couple of different ways.

1. The best way to find low rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quote forms to each individual auto insurance company. Completing one form will get you rate comparisons instantly.
2. A more difficult way to obtain and compare quotes online is to manually visit the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Progressive, Farmers and GMAC. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare identical coverage information for every quote you compare. If the quotes have unequal deductibles or liability limits then you won’t be able to make a fair comparison for your GMC Envoy.

Best discounts on GMC Envoy coverage

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

• Sign Early and Save – Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
• Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Envoy coverage than drivers with accident claims.
• Military Discounts – Having a family member in the military could mean lower rates.
• Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates for Envoy coverage.
• No Claims – Drivers with accident-free driving histories pay less when compared with bad drivers.

It’s important to note that many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

For a list of companies who offer car insurance discounts, click here.

Tailor your coverage to you

When choosing coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

• Why am I required to buy liability insurance?
• If my 2008 GMC Envoy is totaled, can I afford another vehicle?
• Does my 2008 GMC Envoy need full coverage?
• Is my 2008 GMC Envoy covered for smoke damage?
• Am I covered if I hit my neighbor’s mailbox?
• Should I waive the damage coverage when renting a car?
• What is PIP insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Auto liability insurance

This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical services, attorney fees, emergency aid and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance will pay to fix damage to your Envoy resulting from colliding 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 claims such as hitting a parking meter, colliding with a tree, crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, nursing services, hospital visits, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC Envoy.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.