1996 GMC Safari Cargo Car Insurance Quotes – 7 Savings Tips

Trying to find cheaper insurance for a GMC Safari Cargo can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to quote coverages on a GMC and obtain the cheapest rates either online or from local insurance agents.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can be challenging if you don’t utilize the most efficient way to do it. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

All the larger companies enroll in a system that enables customers to only type in their quote data once, and every company returns a rated price based on the submitted data. This system prevents you from having to do quote requests to each individual car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The one downside to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to choose from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same information for every quote you compare. If you have unequal deductibles or liability limits you will not be able to decipher which rate is best.

Cut your insurance coverage rates with these seven discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be inquired about before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

  • Accident Forgiveness – A few companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of providers with discount insurance coverage rates, click here.

You are unique and your car insurance should be too

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation might need professional guidance.

  • Can I still get insurance after a DUI?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I drive in Mexico and have coverage?
  • How does medical payments coverage work?
  • Do I pay less for low miles?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, bail bonds, legal defense fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Safari Cargo.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like ambulance fees, doctor visits, chiropractic care, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your Safari Cargo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a parking meter, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle, hail damage and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.