Compare 1994 GMC Safari Insurance Quotes

Feel like you have overpriced insurance? Trust us when we tell you many drivers feel the same as you.

Consumers have many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates.

Why you might pay higher rates

Many things are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are more transparent like your continuous coverage or your commute time.

  • Keep the miles off and save – The more you drive annually the more you will pay for auto insurance. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your Safari can cost quite a bit. Make sure your declarations sheet properly reflects the correct driver usage, because improper ratings can cost you money.
  • Always keep your auto insurance in place – Driving with no insurance can get your license suspended and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance may result in a license revocation or jail time.
  • Consider raising comp and collision deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your GMC from damage. Some coverage claims are running into the backend of another car, flood damage, and damage caused by flying debris. Comp and collision deductibles define the amount you are required to pay if a claim is determined to be covered. The higher the amount you’re willing to pay, the lower your rates will be for Safari insurance.
  • Tickets inflate rates – Attentive drivers tend to pay less for car insurance than their less careful counterparts. Even a single speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who have received severe citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state in order to prevent a license revocation.
  • Teenage drivers pay more – Young drivers have a tendency to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates. Having to add a beginning driver onto your auto insurance can be quite pricey. Mature drivers are more cautious drivers, are lower risk to insure and get fewer tickets.
  • Cheaper to insure women? – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause fender benders in similar percentages, but guys get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore pay the highest rates.
  • Bundle and save – Some companies afford lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to check prices from other companies to ensure the best deal. You may still be able to save even more than the discount by splitting coverages up.

Drivers can save with with these discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that many people don’t even know exist. Some discounts will apply when you purchase, but occassionally some discounts must be manually applied before they will apply.

  • Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison with policyholders that have many claims.
  • Driver’s Ed – Have your child complete a driver education course as it will make them better drivers and lower rates.
  • Defensive Driver Discount – Successfully completing a class that teaches defensive driving techniques can save you 5% or more if you qualify.
  • First Accident Forgiveness – Not really a discount, but companies like Geico, State Farm, and Progressive will let one accident slide before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

Large auto insurance companies and their possible discounts include:

  • Progressive discounts include online quote discount, multi-vehicle, good student, multi-policy, online signing, continuous coverage, and homeowner.
  • Geico offers discounts including seat belt use, five-year accident-free, daytime running lights, air bags, anti-lock brakes, federal employee, and multi-vehicle.
  • State Farm includes discounts for good driver, passive restraint, student away at school, accident-free, good student, multiple autos, and anti-theft.
  • Esurance has savings for renters, paid-in-full, safety device, Pac-12 alumni, defensive driver, and multi-car.
  • The Hartford has discounts for bundle, anti-theft, vehicle fuel type, good student, and driver training.

Check with every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your state. To view insurance companies who offer discounts, click here to view.

Buyer beware of auto insurance advertising tricks

Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to state the claim of big savings just by switching your auto insurance policy to them. How is it plausible that every one can lower your premium rates? It’s all in the wording.

Many companies quote their cheapest rates for the type of driver that earns them the most money. An example of a desirable insured could possibly be over the age of 50, has other policies, and has excellent credit. Anyone who matches those parameters will probably get the lowest car insurance rates and is almost guaranteed to save a lot of money.

Drivers who are not a match for these criteria may be forced to pay higher premium rates which results in the customer not buying. The wording the ads use say “customers that switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently advertise the way they do. This really emphasizes why you should compare quotes as often as possible. It is just not possible to predict with any certainty which company will provide the lowest car insurance rates.

Your situation helps dictate your coverage

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 1994 GMC Safari is worth?
  • Does coverage extend to a rental car in a foreign country?
  • When can I cancel my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Collision coverage – Collision insurance will pay to fix damage to your Safari from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability car insurance – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, theft, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, EMT expenses, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

Throughout this article, we presented a lot of information how to compare 1994 GMC Safari insurance car insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper insurance. You may even discover the lowest priced insurance comes from the least-expected company. These smaller insurers often have lower premium rates on specific markets than their larger competitors like Progressive or Geico.

Lower-priced insurance can be purchased on the web and from local agencies, so you need to shop insurance with both to have the best selection. There are still a few companies who may not have the ability to get a quote online and many times these smaller companies provide coverage only through local independent agencies.

Even more information is available at these sites: