Compare 1993 GMC Safari Insurance Rates

Looking for cheaper insurance coverage rates for your GMC Safari? No one likes having to buy insurance coverage, particularly when they could find better prices if they shop around. With so many options, it can be diffult for drivers to choose the best company.

The best way to compare rates is to know the fact all the major auto insurance companies allow for online access to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information such as coverage limits, whether or not you need a SR-22, which vehicles you own, and if you’re married. Your details is sent automatically to multiple companies and you get price estimates quickly.

Ads can be misleading

Consumers can’t escape the ads for the lowest price insurance coverage by companies like State Farm and Allstate. They all tend to make the same promise that drivers will save a bundle after switching your coverage to them.

But how can every company make the same claim? It’s all in how they say it.

Most companies have specific criteria for the type of insured that will not have excessive claims. One example of a driver they prefer might have to be married and over the age of 30, carries full coverage, and insures a new vehicle. Any person who fits that profile is entitled to the best price and is almost guaranteed to save if they switch.

Potential insureds who don’t meet the “perfect” profile will be charged higher prices and this results in the customer buying from someone else. The ads state “drivers who switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully make claims like that.

Because of the profiling, you absolutely need to compare as many free insurance coverage quotes as you can. It is just not possible to predict the company that will have the lowest rates.

Cheaper insurance coverage rates with discounts

The price of auto insurance can be rather high, but you may be missing some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be requested specifically prior to receiving the credit.

  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount when shopping for insurance coverage.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Bundle and Save – When you combine your homeowners and auto insurance and insure them with the same company you could get a discount of up to 20% off your total premium.
  • Defensive Driver – Taking a safe driver class could earn you a small percentage discount depending on where you live.
  • Federal Employees – Having worked for a branch of the government could provide a small rate reduction for Safari coverage but check with your company.
  • Savings for New Vehicles – Buying insurance on a new vehicle is cheaper compared to insuring an older model.
  • Save over 55 – If you’re over the age of 55, you could receive a slight reduction on a insurance coverage quote for Safari coverage.

Just know that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So when it seems like you could get a free insurance coverage policy, that’s just not realistic. But any discount will cut the premium cost.

Some of the larger companies that may offer these benefits are:

When comparing rates, check with all the companies to give you their best rates. Some of the discounts discussed earlier may not be available in your area. For a list of insurance companies that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Is extra glass coverage worth it?
  • Am I insured when driving a different vehicle?
  • Do I need rental car coverage?
  • How do I buy GAP insurance?
  • How can I get my company to pay me more for my totalled car?
  • How can I force my company to pay a claim?
  • How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Auto collision coverage

This pays for damage to your Safari from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, rolling your car, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as doctor visits, ambulance fees, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your GMC Safari.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance

This can cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, pain and suffering, medical expenses, repair costs for stationary objects and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A penny saved is a penny earned

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

You just read some good ideas how you can reduce 1993 GMC Safari insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from a small local company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Geico and State Farm.

Budget-friendly car insurance is available from both online companies as well as from insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and usually these smaller providers provide coverage only through independent insurance agents.

More detailed car insurance information can be found in these articles: