2000 GMC Safari Insurance Rates

Searching for cheaper insurance rates for your GMC Safari? If you are new to getting car insurance quotes online, you can easily be overwhelmed by the diversity of companies that all promise to save you money.

You should take the time to get comparison quotes once or twice a year since prices are constantly changing. Despite the fact that you may have had the lowest quotes for Safari insurance at your last renewal there may be better deals available now. There is lot of inaccurate information about insurance out there, but in this article, you’re going to get a lot of great tips on how to lower your insurance bill.

Which auto insurance is cheapest?

Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use the internet to get prices fast.

All the larger companies enroll in a system where prospective buyers only type in their quote data once, and each company returns a rated price determined by their information. This prevents consumers from doing quote requests to every company.

To get comparison pricing now click here (opens in new window).

The single downside to getting quotes like this is you can’t choose the companies you want to price. So if you want to select specific insurance companies for rate comparison, we have a page of companies who write auto insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use the same coverage data on every quote. If your comparisons have higher or lower deductibles it will be next to impossible to decipher which rate is best. Having just a slight variation in insurance coverages may result in a large different in cost. Keep in mind that comparing all the rates in your area gives you a better chance of getting lower pricing.

Drivers save money with these discounts

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Some discounts apply automatically when you quote, but a few must be asked about prior to getting the savings.

  • Paperless Signup – A handful of companies provide a small discount for buying your policy on their website.
  • Distant College Student Discount – Kids who are attending college and don’t have a car can receive lower rates.
  • Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Accident Free – Claim-free drivers have much lower rates when compared with bad drivers.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Just because you may think you could get a free insurance policy, companies don’t profit that way.

A list of insurance companies and a summarized list of policyholder discounts are:

  • Geico may offer discounts for membership and employees, federal employee, anti-theft, emergency military deployment, and military active duty.
  • MetLife may have discounts that include accident-free, good driver, multi-policy, claim-free, defensive driver, and good student.
  • Progressive has discounts for multi-policy, online signing, online quote discount, homeowner, multi-vehicle, and continuous coverage.
  • Travelers discounts include payment discounts, driver training, continuous insurance, home ownership, good student, and new car.
  • SAFECO policyholders can earn discounts including homeowner, multi-car, anti-theft, teen safety rewards, anti-lock brakes, and teen safe driver.
  • AAA may include discounts for AAA membership discount, pay-in-full, anti-theft, multi-policy, and good student.

Double check with every insurance company what discounts are available to you. A few discounts might not be available to policyholders in your area. To see a list of providers that provide some of the discounts listed above, click here.

Special considerations

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions might point out whether or not you might need professional guidance.

  • When would I need rental car insurance?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I crash into my own garage door?
  • Does medical payments coverage apply to all occupants?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is an SR-22 filing?
  • Is my 2000 GMC Safari covered for flood damage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

How insurers determine GMC Safari insurance rates

Many things are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, although others are more obscure like your vehicle usage or your vehicle rating.

The factors shown below are just a few of the factors used by your company to calculate your rate level.

  • Protect yourself with liability – Liability coverage will protect you if you are found to be at fault for damages from an accident. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Bundle policies with the same company – Most insurance companies will award a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount, you may still want to check prices from other companies to help guarantee you have the best rates.
  • Big cities mean more claims – Living in less populated areas is a positive aspect when buying insurance. People in densly populated areas have to deal with more auto accidents and longer commutes to work. Fewer drivers means reduced accidents and lower theft and vandalism rates.
  • Raising coverage deductibles lowers costs – Physical damage deductibles define the amount you are willing to pay if the claim is covered. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Some examples of covered claims would be rearending another vehicle, animal collisions, and having a roll-over accident. The more of the claim you’re willing to pay, the better rate you will receive for Safari insurance.
  • Vehicles with better crash test results are cheaper to insure – Cars with five star safety ratings cost less to insure. These vehicles reduce the chance of injuries and lower injury rates translates directly to fewer claims and lower rates for you.
  • Your car’s features help determine rates – Owning a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.

Auto insurance 101

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Safari.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage covers damage to your Safari resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a bird, a tree branch falling on your vehicle, falling objects and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for hospital visits, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

More comparisons equals lower rates

People switch companies for many reasons like poor customer service, being labeled a high risk driver, denial of a claim or questionable increases in premium. It doesn’t matter what your reason, switching insurance coverage companies is easier than you think.

Affordable 2000 GMC Safari insurance can be sourced from both online companies and from local agencies, and you should be comparing both to have the best chance of lowering rates. Some companies may not have online price quotes and usually these small, regional companies only sell through independent agents.

When getting car insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits only to find out that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Additional insurance coverage information can be read on the following sites: