Lower Your 2000 GMC Envoy Car Insurance Rates

Trying to find the cheapest insurance for a GMC Envoy can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to buy insurance and you need to know the absolute fastest way to price shop coverage for a GMC and obtain the cheapest rates either online or from local insurance agents.

Pricing affordable insurance is quite easy. If you are insured now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Drivers only need to know the most effective way to shop for insurance online.

Good decisions result in lower insurance costs

An important part of buying insurance is that you know some of the factors that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that will entitle you to lower rates.

The following are most of the major factors used by insurance companies to determine your rate level.

• Use but don’t abuse your insurance – Insurance companies give better rates to policyholders who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for the large, substantial claims.
• Marriage can lower prices – Getting married may save some money on your car insurance bill. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
• Optional features that cut rates – Choosing to buy a car with an alarm system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
• Discounts for multiple policies – The majority of insurers provide a discount to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, you still need to comparison shop to confirm you are receiving the best rates possible. You may still find lower rates by buying car insurance from a different company.

Cheapest car insurance quotes

Shopping for lower car insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You can spend countless hours discussing policy coverages with agents in your area, or you could use the internet to get pricing more quickly.

Many popular insurance companies participate in a marketplace where insurance shoppers submit their information once, and each company returns a rated price based on that data. This eliminates the need for quote requests for every car insurance company.

To submit your quote information now, click here to start a free quote.

The only downside to using this type of system is you can’t choose the providers you want pricing from. So if you want to choose specific providers to compare, we put together a list of car insurance companies in your area. Click here to view list.

However you get your quotes, be certain you are entering the exact same deductibles and coverage limits for each quote you get. If the quotes have different coverage information it’s not possible to make a fair rate comparison.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that promise big savings from companies such as Allstate and Progressive. All the ads tend to make the same promise that drivers will save a bundle after switching your policy.

How is it possible that every company can offer drivers better rates? Here is how they do it.

All the different companies have a preferred profile for the type of customer that will be a good risk. A good example of a profitable risk profile could be over the age of 45, insures multiple vehicles, and drives a lower-performance vehicle. A customer who matches that profile will get a cheap rate quote and will probably cut their rates substantially.

People who do not meet this stringent profile must pay higher premium rates and this results in the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save that much money. That’s why companies can make those claims.

That is why you absolutely need to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will have the best car insurance rates at this point in time.

Insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied at the time of purchase, but a few must be specially asked for before they will apply.

• Life Insurance – If the company offers life insurance, you could get a lower insurance rate if you buy a life insurance policy as well.
• Telematics Devices – Insureds who allow driving data collection to monitor where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
• Professional Organizations – Being in specific professional or occupational memberships or organizations may earn a discount on your next renewal.
• Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Envoy coverage with some insurance companies.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education in high school.

You can save money using discounts, but many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, you aren’t that lucky.

Companies and their offered discounts are included below.

• Farmers Insurance offers discounts for early shopping, mature driver, good student, electronic funds transfer, business and professional, and distant student.
• State Farm may include discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, driver’s education, defensive driving training, and anti-theft.
• Liberty Mutual may have discounts that include multi-car, safety features, newly married, exclusive group savings, teen driver discount, and new vehicle discount.
• MetLife offers discounts including accident-free, defensive driver, good student, good driver, and claim-free.
• Progressive includes discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, and good student.

If you are trying to find cheaper insurance coverage quotes, ask all the companies which discounts they offer. All car insurance discounts might not be offered on policies in your area. To locate insurers with the best insurance discounts, click here.

Insurance agents can help

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out whether you might need an agent’s assistance.

• Do I have any recourse if my insurance company denies a claim?
• How high should my medical payments coverage be?
• When should I not file a claim?
• Does my car insurance cover rental cars?
• Why am I required to get a high-risk car insurance policy?
• Are rock chip repairs covered?
• Can I afford to buy a different vehicle if my 2000 GMC Envoy is totaled?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This coverage pays for damage to your Envoy resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for pain medications, prosthetic devices, funeral costs, hospital visits and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, structural damage, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most a car 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.

Shop. Compare. Save.

People who switch companies do it for a variety of reasons including poor customer service, high prices, delays in paying claims or even policy non-renewal. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how to lower your 2000 GMC Envoy insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the best price on insurance coverage is with the smaller companies.

Additional resources

• Bodily Injury Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Comprehensive Coverage (Liberty Mutual)