Lower Your 1998 GMC Envoy Car Insurance Cost

Are you kicking yourself for buying an expensive insurance policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance policy. Companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you have insurance now or are just looking to switch companies, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates is quite easy. Consumers just need to know the proper methods to get comparison rates on the web.

The easiest way to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details such as what your job is, whether you are married, how much school you completed, and your credit rating estimate. That information is automatically sent to many different companies and you should receive rate quotes within a short period of time.

To check 1998 GMC Envoy insurance prices now, click here and enter your zip code.

Earn discounts to get lower-cost insurance coverage rates

Insurance coverage is neither fun to buy or cheap, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically at the time of purchase, but occassionally some discounts must be asked for before being credited.

  • Early Renewal Discounts – A few companies offer discounts for signing up before your current coverage expires. This discount can save up to 10%.
  • Save with More Vehicles Insured – Buying insurance for multiple vehicles with one company could earn a price break for each car.
  • Professional Memberships – Being a member of qualifying employment or professional organizations could earn you a nice discount when shopping for insurance coverage.
  • Discount for Home Ownership – Simply owning a home can earn you a little savings because it demonstrates responsibility.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Accident Waiver – Not a discount per se, but some insurance companies allow you one accident before they charge you more for coverage if you are claim-free for a certain period of time.
  • Safety Course Discount – Taking time to complete a defensive driver course can save you 5% or more depending on where you live.
  • Active Military Service – Having a deployed family member could be rewarded with lower insurance coverage rates.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will definitely lower the cost of your policy.

A list of companies and a selection of discounts are detailed below.

  • Geico offers premium reductions for anti-lock brakes, multi-vehicle, emergency military deployment, military active duty, federal employee, and anti-theft.
  • MetLife offers discounts including multi-policy, defensive driver, claim-free, good driver, accident-free, good student
  • Progressive may offer discounts for online quote discount, multi-policy, online signing, continuous coverage, homeowner, good student, and multi-vehicle.
  • Travelers offers discounts for early quote, home ownership, driver training, student away at school, payment discounts, save driver, and multi-policy.
  • SAFECO has savings for teen safety rewards, accident prevention training, anti-theft, drive less, safe driver, and anti-lock brakes.
  • AAA may have discounts that include education and occupation, anti-theft, multi-car, good student, and pay-in-full.

When getting free insurance coverage quotes, it’s a good idea to each company or agent how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of companies offering insurance coverage discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I drive in Mexico and have coverage?
  • Should I buy only the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • How high should my medical payments coverage be?
  • What is PIP insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 1998 GMC Envoy is totaled?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your GMC Envoy.

Since a lot of 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.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, hitting a mailbox, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive coverage protects against claims like a broken windshield, fire damage, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, medical expenses, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, nursing services, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

When trying to cut insurance costs, do not reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your objective should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Some companies do not provide online quoting and these small, regional companies provide coverage only through independent agencies. Cost effective 1998 GMC Envoy insurance is possible both online and from local agencies, so you should be comparing quotes from both to have the best rate selection.

You just learned some good ideas how you can compare 1998 GMC Envoy insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. Regional companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate or State Farm.

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