Cheap 1993 GMC Safari Insurance Cost

Searching for better insurance rates? Consumers have lots of choices when looking for the best price on GMC Safari insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to get price quotes for a new or used GMC and locate the cheapest rates.

It’s a good idea to take a look at other company’s rates once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the lowest price on Safari coverage a couple years back you may be paying too much now. So just forget anything you know (or think you know) about insurance because it’s time to teach you the right way to find lower rates on insurance.

Fast and Easy Car Insurance Quotes

Finding a lower price on 1993 GMC Safari insurance can be relatively painless. The only thing you need to do is take time to compare quotes from different insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to find low rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. One form will return price quotes from many national carriers. It’s definitely the quickest method.

A harder way to find lower rates consists of visiting the website for each individual company and fill out their own quote form. For instance, let’s assume you want to compare rates from Geico, Safeco and Farmers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just compare the exact same coverages for every company. If you are comparing different values for each quote then you won’t be able to truly determine the lowest rate.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads make an identical promise about savings if you move your policy.

How do they all claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer could possibly be between 25 and 40, owns a home, and has great credit. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Drivers who don’t measure up to the requirements must pay higher rates which usually ends up with business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully state the savings.

This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which company will have the lowest GMC Safari insurance rates.

Some factors that can determine what GMC Safari insurance costs

An important part of buying insurance is that you know some of the elements that help determine your auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.

The following are some of the factors companies use to determine premiums.

  • Older drivers pay less – Young drivers are statistically proven to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Pleasure use or commuting – Driving more miles every year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Safari may be wasting your money. Double check that your auto insurance coverage shows the proper vehicle usage.
  • Allowing your policy to lapse raises rates – Allowing your auto insurance policy to lapse is a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state department of motor vehicles.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies generally give lower rates to policyholders who do not file claims often. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Discounts can save BIG

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but some may not be applied and must be inquired about in order for you to get them. If you’re not getting every credit available, you are paying more than you should be.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Safari coverage depending on your company.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Low Mileage Discounts – Keeping the miles down on your GMC can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. But any discount will reduce the cost of coverage.

To see a list of companies with discount insurance coverage rates, click this link.

Will just any policy work for me?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Should I carry comprehensive and collision coverage?
  • Why am I required to buy high-risk coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have newly-aquired coverage?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage options for a GMC Safari

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1993 GMC Safari.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision protection

This covers damage to your Safari resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb, hitting a mailbox, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, funeral expenses, court costs, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as surgery, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

Cost effective 1993 GMC Safari insurance can be bought online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

Drivers switch companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, questionable increases in premium and even unfair underwriting practices. Regardless of your reason, finding a great new company is not as difficult as it may seem.

To learn more, take a look at the resources below: