2002 GMC Safari Car Insurance Cost – 5 Ways to Save

Searching for cheaper auto insurance rates for your GMC Safari? There isn’t anyone who likes buying auto insurance, especially when the cost is too high.

Drivers have many car insurance companies to buy insurance from, and although it’s nice to be able to choose, more choices can make it harder to find the lowest rates.

It is always a good idea to get comparison quotes before your next renewal because prices tend to go up over time. Even if you think you had the best deal on Safari insurance six months ago you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn one of the quickest ways to buy cheaper auto insurance.

The cheapest auto insurance quotes online

There are several ways to compare auto insurance quotes, but one way is more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Many companies enroll in a system that enables customers to only type in their quote data once, and each company then returns a price quote. This system prevents you from having to do quote requests for each company.

To compare rates now click here to open in new window.

The single downside to getting quotes like this is you don’t know exactly the companies you want pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure you’re using apples-to-apples deductibles and coverage limits on every quote you get. If you compare different liability limits you can’t possibly decipher which rate is best. Having just a slight variation in coverages may result in large price differences. Keep in mind that obtaining a wide range of quotes increases the change that you will find lower pricing.

Auto insurance quotes and discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts to help bring down the price. Certain reductions will be credited when you complete an application, but once in a while a discount must be asked for before you will receive the discount.

• Theft Deterent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• 55 and Retired – Drivers over the age of 55 can possibly qualify for reduced rates on Safari insurance.
• Good Student – Getting good grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
• Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.

Just know that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, it’s just not the way it works. Any qualifying discounts should help reduce your policy premiums.

A few of the larger companies and some of the premium reductions they offer are outlined below.

• Geico has savings for emergency military deployment, multi-vehicle, federal employee, military active duty, anti-theft, driver training, and membership and employees.
• MetLife may offer discounts for claim-free, good driver, multi-policy, defensive driver, good student, accident-free
• Progressive may include discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, multi-policy, online signing, and good student.
• Travelers offers premium reductions for new car, good student, multi-car, save driver, early quote, and IntelliDrive.
• SAFECO policyholders can earn discounts including teen safe driver, homeowner, multi-car, safe driver, and teen safety rewards.
• AAA includes discounts for anti-theft, education and occupation, multi-policy, multi-car, good student, good driver, and pay-in-full.

If you are trying to find cheap insurance quotes, ask each insurance company which discounts you may be entitled to. Discounts may not be available in every state. If you would like to choose from a list of companies that have a full spectrum of discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation would benefit from professional advice.

• Should I file a claim if it’s only slightly more than my deductible?
• Do I have coverage if my license is suspended?
• Will my insurance pay for OEM parts?
• When should my teen driver be added to my policy?
• Should I put collision coverage on all my vehicles?
• Are my friends covered when driving my 2002 GMC Safari?
• What is an SR-22 filing?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses like prosthetic devices, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

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

Collision coverage protects against claims such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability – This coverage can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, medical services, loss of income, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your GMC Safari.

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. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, theft, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.