1998 GMC Safari Insurance Quotes – 7 Savings Tips

Locating the cheapest insurance for a GMC Safari can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to find car insurance online so you’re going to learn the absolute fastest way to price shop coverage for a GMC and obtain the best price possible from both online companies and local agents.

How much is insurance?

Finding low cost 1998 GMC Safari insurance rates is not a difficult process. You just need to spend a few minutes on the computer comparing rate quotes from online providers. Insurance prices can be quoted in a couple of different ways.

• The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for a different quote for each company. One simple form gets coverage cost estimates from all major companies. It’s definitely the quickest method.
• A more time consuming way to find lower rates is to take the time to go to each company website and fill out their own quote form. For instance, let’s assume you want to get rates from Progressive, Esurance and Allstate. To get each rate you have to spend time going to each site individually and enter your policy data, which can get rather old.

  For a list of companies in your area, click here.

• The least efficient method to shop rates is to spend your day driving to insurance agencies in your area. Doing it all online has reduced the need for local agents unless you have a need for the trained advice only provided by licensed agents. Drivers can price shop online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but make sure you compare identical coverage data on every price quote you get. If your comparisons have different deductibles then you won’t be able to determine the lowest rate for your GMC Safari.

You may qualify for discounts

Car insurance companies don’t always publicize all possible discounts very well, so the list below contains both the well known and also the lesser-known discounts that you can inquire about if you buy insurance online. If you’re not getting every credit you qualify for, you are throwing money away.

• Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
• Online Discount – Certain insurance companies provide a small discount get insurance digitally online.
• Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Safari coverage.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education if it’s offered in school.
• Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts as opposed to drivers who are more careless.
• ABS Brakes – Vehicles with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Own a Home – Owning a house can get you a discount since home ownership is proof of financial responsibility.

Keep in mind that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

A few of the larger companies and their possible discounts are shown below.

• State Farm may have discounts that include defensive driving training, good driver, good student, accident-free, and passive restraint.
• Farmers Insurance includes discounts for youthful driver, distant student, teen driver, good student, and mature driver.
• Geico may offer discounts for multi-vehicle, good student, five-year accident-free, emergency military deployment, anti-theft, and multi-policy.
• American Family offers premium reductions for accident-free, TimeAway discount, mySafetyValet, defensive driver, early bird, air bags, and multi-vehicle.
• Nationwide policyholders can earn discounts including family plan, Farm Bureau membership, multi-policy, business or organization, good student, easy pay, and accident-free.
• Progressive may include discounts for multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.

When getting free insurance quotes, it’s a good idea to every insurance company which discounts they offer. Some discounts might not be offered on policies in your area.

There’s no such thing as the perfect car insurance policy

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

• Are all vehicle passengers covered by medical payments coverage?
• Why do I need rental car insurance?
• Will filing a claim cost me more?
• I have good health insurance, so how much medical payments coverage do I need?
• What if I don’t agree with a claim settlement offer?
• Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Specific coverages for a GMC Safari

Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision protection

This pays for damage to your Safari from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Safari.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, doctor visits, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to 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 can pay for claims such as court costs, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Find Good Coverage for Less

Cheap 1998 GMC Safari insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not have the ability to get quotes online and these regional insurance providers prefer to sell through independent agencies.

We just presented a lot of information how to compare 1998 GMC Safari insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may even discover the lowest premium rates come from the least-expected company.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost, not the least amount of coverage.

To read more, link through to the articles below:

• Information for Teen Drivers (Geico)
• Understanding your Policy (NAIC.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)