View 2004 GMC Envoy XUV Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many people just like you. Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and it can be hard to not get sucked in by the cute commercials and find the best price available.

The quickest way to get rate comparisons takes advantage of the fact almost all companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is provide details like if you’re married, your credit rating estimate, how much education you have, and how much you drive. Your details is instantly submitted to many highly-rated insurers and they provide comparison quotes almost instantly.

To check rates for your 2004 GMC Envoy XUV, click here and enter your coverage details.

Pay less by taking advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Most are applied at the time of purchase, but some may not be applied and must be specially asked for in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
E-sign – A few companies will give a small break for buying a policy and signing up online.
Own a Home – Being a homeowner can help you save on insurance because of the fact that having a home shows financial diligence.
Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Envoy XUV coverage than their less cautious counterparts.
Lower Rates for Military – Having a deployed family member could mean lower rates.
Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums for Envoy XUV coverage.
Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will help reduce the amount you have to pay.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in every state.

Your coverage should be tailored to you

When choosing coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether or not you will benefit from professional help.

How do I insure my teen driver?
Does my insurance cover my expensive audio equipment?
Will my rates increase for filing one claim?
Do I need more liability coverage?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Does liability extend to a camper or trailer?
Why does it cost so much to insure a teen driver?
I have a DUI can I still get coverage?
I don’t drive much so do I pay less?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance specifics

Having a good grasp of car insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, EMT expenses, rehabilitation expenses and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit 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, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Envoy XUV resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, crashing into a ditch, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your GMC Envoy XUV.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.