Lower Your 1996 GMC Safari Insurance Rates

Trying to find better auto insurance rates? Buyers have a choice when searching for low-cost GMC Safari insurance. You can either waste hours calling around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to get price quotes on a GMC and find the cheapest rates.

If you are insured now or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. This information will teach you how to get online quotes and some tips to save money. Drivers just need to understand the proper way to compare price quotes over the internet.

Why your GMC Safari might be costing you more

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for insurance coverage. Understanding what determines base rates helps enable you to make changes that could result in better insurance coverage rates.

The list below includes some of the factors that factor into premiums.

  • Frequent insurance coverage claims increase rates – Auto insurance companies generally give cheaper rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.
  • Do you need the policy add-ons? – There are quite a few additional coverages that you can buy when buying insurance coverage. Insurance for vanishing deductibles, towing coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Proper usage rating affects rates – The higher the mileage driven in a year the higher your rates will be. Most companies rate vehicles based on their usage. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Safari can cost quite a bit. Verify your insurance coverage declarations sheet shows the correct usage for each vehicle.
  • Where you live – Choosing to live in less populated areas can save you money when it comes to insurance coverage. Fewer drivers means reduced accidents and a lower car theft rate. Drivers in populated areas have to deal with traffic congestion and longer commute times. More time on the road translates into higher accident risk.
  • Lower rates come with age – Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers are known to be less responsible behind the wheel therefore insurance coverage rates are much higher.
  • Marriage brings a discount – Having a wife or husband helps lower the price on your policy. Having a spouse translates into being more mature and it’s statistically proven that being married results in fewer claims.
  • Rates may be higher depending on your occupation – Occupations such as lawyers, social workers and financial analysts tend to have higher average rates because of high stress and lengthy work days. Conversely, occupations such as pilots, engineers and the unemployed receive lower rates on Safari insurance.

Quick Auto Insurance Quotes

Finding cheaper 1996 GMC Safari auto insurance prices is not a difficult process. Drivers just need to spend a few minutes on the computer to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do boring form submissions for each company. One quote request gets you price quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A different way to compare rate quotes requires visiting the website for each individual company to request a price quote. For example, let’s assume you want to compare Auto-Owners, Progressive and State Farm. You would have to visit each site and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

Whichever way you use, make absolute certain that you use identical coverages and limits on every quote you get. If the quotes have mixed coverages you will not be able to decipher which rate is best.

Do drivers who switch really save?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the companies have a common claim that you can save if you switch your policy.

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

All the different companies have a preferred profile for the right customer that is profitable for them. An example of a driver they prefer could be over the age of 50, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who fall outside the “perfect” profile must pay a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why drivers should get as many quotes as possible. It’s just too difficult to predict the company that will give you the biggest savings on GMC Safari insurance.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so here is a list both the well known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Safari insurance with a few insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Homeowners Discount – Owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.

It’s important to note that most credits do not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that may have these discounts include:

Double check with all companies you are considering which discounts they offer. Discounts might not apply in every state.

Insurance agents can help

When buying adequate coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions might point out if you may require specific advice.

  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I not file a claim?
  • When should I remove comp and collision on my 1996 GMC Safari?
  • What is the ISO rating for a 1996 GMC Safari?
  • At what point should I drop full coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

Collision insurance will pay to fix damage to your Safari resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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 is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, rehabilitation expenses, X-ray expenses, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, fire damage, theft and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A tidy conclusion

People change insurance companies for a number of reasons such as high prices, being labeled a high risk driver, policy non-renewal or high rates after DUI convictions. No matter why you want to switch, switching companies is less work than it seems.

We just covered a lot of ways to shop for 1996 GMC Safari insurance online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

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