1998 GMC Envoy Insurance Quotes

Looking for cheaper car insurance rates for your GMC Envoy? Nobody I know cherishes buying car insurance, in particular when their premiums are through the roof. Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest rate

You should make it a habit to take a look at other company’s rates yearly because prices change quite often. Even if you think you had the best deal for Envoy insurance a few years ago a different company probably has better rates today. There is a lot of wrong information about car insurance on the internet, so we’re going to give you some great ways to stop overpaying for insurance.

Lesser-known factors impacting GMC Envoy insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Your location affects your rates – Being located in small towns and rural areas can save you money when it comes to car insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Never let your coverage lapse – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Car features impact rates – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.

Insurance Quote Comparison

Finding cheaper 1998 GMC Envoy insurance prices can be quick and easy. All you need to do is invest a little time comparing rates online from several insurance companies. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for every insurance company. In just a few minutes this one form gets you price quotes from all major companies.
  2. A slightly less efficient method to find lower rates requires you to visit the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to compare rates from Liberty Mutual, Allstate and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

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

  3. The most time-consuming method to compare rates is to waste gas driving to local insurance agencies. Shopping for insurance online makes this process obsolete unless you require the professional advice only provided by licensed agents. You can, however, get prices online and still use a local agent and we’ll talk about that later.

Whichever way you use, make absolute certain that you use exactly the same coverage limits and deductibles on every quote. If you compare different limits and deductibles on each one you can’t possibly make an equal comparison.

Discounts are basically free money

Companies offering auto insurance don’t always publicize every discount very clearly, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount when shopping for insurance for Envoy insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

Consumers should know that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies who might offer these money-saving discounts are:

Check with every prospective company how you can save money. Discounts may not apply in your state.

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no best way to insure your cars. Every situation is different so this has to be addressed. These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Are there companies who specialize in insuring high-risk drivers?
  • What if I total my 1998 GMC Envoy and owe more than it’s worth?
  • Are rock chip repairs covered?
  • I don’t drive much so do I pay less?
  • Can I afford low physical damage deductibles?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Auto liability – Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, structural damage, repair costs for stationary objects, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for chiropractic care, prosthetic devices and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, rolling your car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

We’ve covered a lot of information how to compare 1998 GMC Envoy insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. You may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone dropped physical damage coverage and learned later they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate.

More detailed insurance information can be read in the articles below: