Lower Your 2003 GMC Safari Insurance Rates

Want lower insurance coverage rates for your GMC Safari? Feel like you have high-priced insurance coverage? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Lots of insurance companies contend for your business, and it can be difficult to compare rates and get the definite best price available.

If you have insurance now or need new coverage, you can use these tips to cut your premiums while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn the tricks to buy car insurance on the web.

How to buy auto insurance online

The majority of larger companies allow you to get pricing from their websites. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in your coverage preferences as detailed in the form. After you complete the form, the quote system collects your driving and credit reports and returns a price quote based on these and other factors. This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s necessary to get many rate quotes in order to find the lowest possible prices on auto insurance.

A quicker way to compare rates uses one simple form that obtains quotes from many companies. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending your information, your coverage is rated and you are able to buy your choice of the quote results. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to compare rates using this form now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you copy the coverages as close as possible to your current policy. Doing this assures you will be getting comparison quotes based on the exact same insurance coverage.

Drivers who switch save $445 a year? Really?

Consumers get pounded daily by advertisements for cheaper insurance coverage from the likes of Geico, State Farm and Progressive. They all say the same thing about saving some big amount if you just switch your insurance coverage policy to them.

How does every insurance coverage company make almost identical claims? It’s all in the wording.

All the different companies give the best rates for the type of customer that will not have excessive claims. One example of a driver they prefer could be over the age of 50, carries high limits, and drives newer vehicles. A customer who matches those parameters receives the best premium rates and as a result will probably save if they switch.

People who cannot meet this stringent profile will have to pay higher premiums which leads to the customer not buying. The ads say “people that switch” not “all people who quote” save the amount stated. This is how insurance companies can state the savings. Because of the profiling, you should get car insurance quotes from several different companies. It’s just not possible to know the company that will fit your personal profile best.

Auto insurance policy discounts

Insurance can be prohibitively expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Some trigger automatically when you quote, but some need to be specifically requested before they will apply. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • Accident Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote as compared to insureds who have frequent claims or accidents.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more and easily pay for the cost of the class.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
  • Bundle and Save – If you combine your auto and home policies and insure them with the same company you could get a discount of approximately 10% to 15%.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new model year vehicles.
  • Military Rewards – Having a deployed family member could trigger a small discount.
  • Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on Safari insurance than less cautious drivers.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A partial list of companies who might offer many of the previously listed discounts are:

Before buying, ask each insurance company to apply every possible discount. Some credits might not be available to policyholders in your area.

How do I know if I need professional advice?

When buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Is other people’s property covered if stolen from my vehicle?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover a custom paint job?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 things like damage from flooding, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as ambulance fees, doctor visits, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision insurance

This coverage pays for damage to your Safari resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability

This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has 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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

At the end of the day…

Throughout this article, we presented many ideas to reduce 2003 GMC Safari insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost car insurance. Drivers may discover the lowest prices come from some of the lesser-known companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many cases, an insured cut liability coverage limits and learned later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Much more information about insurance can be read at the links below