1998 GMC Safari Insurance Cost

Looking for cheaper insurance coverage rates for your GMC Safari? Consumers not familiar with buying insurance online can find finding the lowest-priced insurance coverage to be a formidable task.

These discounts can slash insurance rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about before being credited.

  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
  • Paperwork-free – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Homeowners Pay Less – Owning a house can help you save on insurance because owning a home requires personal responsibility.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums on Safari coverage.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

For a list of insurers with the best insurance discounts, click here to view.

When might I need the advice of an agent?

When choosing coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Am I covered if I hit a deer?
  • Should I waive the damage coverage when renting a car?
  • What is covered by UM/UIM coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my GMC Safari covered if I use it for business?
  • What is an SR-22 filing?
  • Can my babysitter drive my car?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Don’t believe everything you hear

Companies like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads have a common claim of big savings if you switch to their company. How do they all make almost identical claims?

All the different companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer could possibly be between the ages of 30 and 50, has no prior claims, and has a high credit rating. A driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Consumers who fall outside the “perfect” profile will have to pay a higher premium and this can result in business not being written. The ad wording is “customers that switch” not “people who quote” save money. That is how companies can claim big savings.

Because of the profiling, it is so important to get as many comparisons as possible. You cannot predict which company will give you the biggest savings on GMC Safari insurance.

Auto insurance coverages and their meanings

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like rehabilitation expenses, ambulance fees, dental work and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t 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. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Safari.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverages – Collision coverage covers damage to your Safari from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage will pay to fix 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 can pay for things such as a broken windshield, theft and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a penny pincher

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits only to find out that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

Cheap 1998 GMC Safari insurance is available on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these smaller companies work with independent agents.

Additional information is available at the links below