Cheaper 1998 GMC Envoy Insurance Quotes

Searching for the cheapest auto insurance rates for your GMC Envoy? Locating the cheapest insurance for a GMC Envoy can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to find auto insurance online so you’re going to learn the best way to price shop coverage for a new or used GMC and get the cheapest rates either online or from local insurance agents.

It’s a good habit to get comparison quotes yearly because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rates on Envoy insurance six months ago a different company probably has better rates today. So just forget all the misinformation about auto insurance because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

Impacting insurance rates for a GMC Envoy

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

  • Where you live is a factor – Choosing to live in small towns and rural areas can be a good thing when it comes to car insurance. Lower population means a lower chance of having an accident. Drivers in populated areas have to deal with much more traffic to deal with and a longer drive to work. More time on the road can result in more accidents.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents at about the same rate, but men cause more damage. Men also get more serious tickets such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Frequent car insurance claims increase rates – Insurance companies award lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Car insurance is intended to be relied upon for larger claims.
  • Younger drivers pay higher rates – Teen drivers are statistically proven to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Compare Auto Insurance Costs

Most major insurance companies such as Progressive, Allstate and Geico allow you to get coverage prices on their websites. The process doesn’t take much effort as you just enter the coverages you want into a form. Behind the scenes, the system obtains reports for credit and driving violations and generates pricing information determined by many factors.

Quoting online makes it a lot easier to compare rates but the work required to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you want to find a better rate.

Rate comparisons made easy

A quicker way to lower your auto insurance bill utilizes a single form to get prices from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any of the returned quotes.

If you find a better price you can simply submit the application and purchase coverage. It just takes a couple of minutes and could lower your rates considerably.

To quickly find out if lower rates are available, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. Doing this assures you are getting comparison quotes for the exact same coverage.

Slick advertising tricks that work

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. All the companies make the same claim about savings if you move your coverage to them.

How does each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could possibly be over the age of 40, insures multiple vehicles, and chooses high deductibles. A customer who meets those qualifications will get very good rates and most likely will save when switching.

Drivers who don’t qualify for the requirements must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much. That’s the way insurance companies can claim big savings.

This illustrates why it’s extremely important to compare many company’s rates. Because you never know which insurance companies will have the lowest GMC Envoy insurance rates.

Save with discounts on GMC Envoy insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some must be inquired about before being credited. If you’re not getting every credit possible, you are throwing money away.

  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on your policy on Envoy insurance.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • E-sign – A few companies give back up to $50 simply for signing online.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates on Envoy insurance.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of providers with the best insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if my car is in a flood?
  • Will I lose any money if I cancel my policy before it expires?
  • Are rock chip repairs covered?
  • Does my 1998 GMC Envoy qualify for pleasure use?
  • Should I put collision coverage on all my vehicles?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, fire damage and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your Envoy from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, loss of income and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, surgery, doctor visits and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1998 GMC Envoy.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Make a quick buck

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium or even high prices. Whatever your reason, switching car insurance companies can be pretty painless.

You just read many ideas to reduce 1998 GMC Envoy insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the biggest savings come from a lesser-known regional company.

Additional information