2009 GMC Envoy Car Insurance Quotes – 6 Policy Discounts

Want lower insurance coverage rates for your GMC Envoy? Feeling guilty for buying an expensive insurance coverage policy? It’s quite common and many consumers are in the same pinch.

Having so many companies and agents to choose from, it can be diffult for drivers to pick the lowest price company.

First Step: Get free auto insurance quotes

To find low cost auto insurance quotes, there are several ways to compare rate quotes from many auto insurance companies in your state. One of the best ways to find affordable GMC Envoy insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

Probably the best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. Completing one form will return quotes direct from many companies.

A more time consuming way to compare rate quotes is spending the time to visit the website for every company you want to comare and request a quote. For instance, we’ll assume you want comparison quotes from Allstate, Liberty Mutual and Farmers. You would have to spend time going to each site individually and type in your information over and over, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make absolute certain that you use equivalent quote information on every quote. If you compare different data you will not be able to make a fair rate comparison. Just a small difference in coverages may result in large price differences. Just keep in mind that getting more free quotes increases your odds of finding a lower rate than you’re paying now.

Insurance coverage advertising gotchas

Popular insurance coverage providers such as State Farm and Allstate regularly use ads on TV and radio. They all seem to state the claim about saving some big amount if you get a free auto insurance quote and switch to their company. It sounds good, but how can they all make the same claim?

Most companies offer their best rates for the type of driver that will be a good risk. An example of a desirable risk might be over the age of 40, has other policies, and drives a car with an anti-theft system. A driver that fits those parameters will qualify for the lowest prices and have a good chance to save a lot of money.

Drivers who are not a match for these criteria will probably be forced to pay more expensive rates with the end result being the customer not buying. The ad wording is “people that switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently make claims that they all have the best prices. This really illustrates why you really need to compare price quotes frequently. You cannot predict which company will have the lowest premium rates for your situation.

Are you qualifying for every discount?

Some insurance providers do not advertise all available discounts in an easy-to-find place, so the list below contains some of the more common and the more hidden credits available to bring down your rates. If you’re not getting every credit available, you are not getting the best rate possible.

  • Cautious Drivers – Accident-free drivers can save as much as half off their rates for Envoy insurance than drivers with accident claims.
  • Distant College Student Discount – College-age children who are attending college and do not have a car can be insured at a reduced rate.
  • One Accident Forgiven – Not really a discount, but companies like Libery Mutual, Geico and Allstate allow you one accident before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
  • Telematics Devices – Drivers who elect to allow data collection to study their driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles with one company can reduce rates for all insured vehicles.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems are much safer to drive and will save you 10% or more.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Even though it appears you would end up receiving a 100% discount, you’re out of luck.

Larger car insurance companies and the discounts they provide can be read below.

  • Progressive discounts include homeowner, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • The Hartford may include discounts for air bag, good student, bundle, defensive driver, and anti-theft.
  • Mercury Insurance has discounts for multi-policy, low natural disaster claims, multi-car, anti-theft, and accident-free.
  • Geico may have discounts that include multi-vehicle, anti-theft, military active duty, emergency military deployment, anti-lock brakes, and good student.
  • AAA offers premium reductions for good student, education and occupation, multi-policy, multi-car, anti-theft, and pay-in-full.
  • State Farm includes discounts for safe vehicle, accident-free, multiple policy, good student, driver’s education, Drive Safe & Save, and passive restraint.

If you want affordable auto insurance quotes, ask each company which discounts you may be entitled to. Discounts may not be offered in your state. To find insurance companies with the best car insurance discounts, follow this link.

When in doubt talk to an agent

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • Am I getting all the discounts available?
  • Am I insured when driving a different vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Collision – Collision coverage pays for damage to your Envoy resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, colliding with a tree, scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Envoy.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, chiropractic care, surgery, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Better coverage you can count on

You just read a lot of techniques to get a better price on 2009 GMC Envoy insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that it was a big error on their part. Your goal should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Additional insurance coverage information is available on the following sites: