1995 GMC Rally Wagon Car Insurance Rates – 9 Tips for Best Quotes

Looking for cheaper car insurance rates for your GMC Rally Wagon? Finding cheaper insurance for your GMC Rally Wagon could be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance and we’ll show you the best way to quote coverages for a new or used GMC and find the best price possible from local insurance agents and online providers.

It’s a great practice to price shop coverage once or twice a year since rates change frequently. Just because you had the lowest rate for Rally Wagon insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to find better coverage at a better price.

You may qualify for discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden credits available to bring down your rates.

  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% for Rally Wagon insurance with certain companies.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Active Service Discounts – Being on active deployment in the military can result in better rates.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Telematics Discount – Insureds that choose to allow their insurance company to study driving manner by installing a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • New Vehicle Savings – Insuring a vehicle that is new can get you a discount because newer models keep occupants safer.
  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Low Miles Discount – Driving less can qualify you for lower prices due to less chance of an accident.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and a summarized list of policyholder discounts are included below.

  • Progressive may have discounts that include multi-vehicle, good student, continuous coverage, online quote discount, multi-policy, and homeowner.
  • The Hartford may include discounts for bundle, defensive driver, driver training, vehicle fuel type, good student, air bag, and anti-theft.
  • Mercury Insurance discounts include good driver, professional/association, annual mileage, good student, ease of repair, and multi-policy.
  • Geico policyholders can earn discounts including emergency military deployment, five-year accident-free, multi-vehicle, anti-lock brakes, membership and employees, good student, and multi-policy.
  • AAA has discounts for anti-theft, multi-car, AAA membership discount, good student, good driver, pay-in-full, and education and occupation.
  • State Farm has savings for multiple policy, accident-free, good student, Drive Safe & Save, good driver, and multiple autos.

When comparing rates, check with all companies you are considering how many discounts you can get. All car insurance discounts might not apply in your area.

The method we recommend to compare policy rates is to take advantage of the fact most of the bigger providers provide online access to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information including how much school you completed, driver ages, if a SR-22 is required, and if you’re married. That information is submitted instantly to multiple different insurance companies and they return quotes within a short period of time.

To check car insurance prices now, click here and enter the information requested.

There’s no such thing as the perfect insurance policy

When buying adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage for damage caused while driving under the influence?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • Are rental cars covered under my policy?
  • What is UM/UIM insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Beware of misleading car insurance ads

Consumers can’t escape the ads that claim the cheapest rates by companies like State Farm and Allstate. All the companies seem to make the promise about saving some big amount after switching your policy.

That’s great but how can every company say the same thing? It’s all in the words they use.

Many companies provide the lowest rates for the type of driver that will generate a profit. An example of a profitable customer might have to be over the age of 45, has never had a claim, and drives newer vehicles. A driver that fits those parameters will get the preferred premium rates and is almost guaranteed to save money with a new company.

Consumers who do not meet this stringent profile will be charged a higher rate and this can result in the customer buying from someone else. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently make it sound like they have such great auto insurance rates. This really illustrates why drivers must compare many company’s auto insurance rates. It’s impossible to know which car insurance company will have the best rates for your profile.

Coverages available on your policy

Understanding the coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, pain medications and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Rally Wagon resulting from colliding 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 hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your GMC Rally Wagon.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability

Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, damage from flooding, hail damage and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

As you prepare to switch companies, do not reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

We’ve covered a lot of tips how to compare 1995 GMC Rally Wagon insurance rates online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.

Consumers leave their current company for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, being labeled a high risk driver and not issuing a premium refund. No matter why you want to switch, switching insurance companies is pretty simple and you could end up saving a buck or two.

Helpful articles