How Much Does 1999 GMC Envoy Insurance Cost?

Locating low-cost insurance for a new or used GMC Envoy can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy insurance so you’re going to learn the absolute fastest way to compare rates on a GMC and locate the lowest possible price.

If you have a current insurance coverage policy or need new coverage, you can learn to find the best rates while maximizing coverage. Shopping for affordable protection is easy if you know what you’re doing. Drivers just need to understand the proper methods to get comparison rates online.

GMC Envoy insurance rates are influenced by…

Smart consumers have a good feel for the different types of things that play a part in calculating your insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with lower insurance prices.

  • A lapse in coverage is a bad thing – Allowing your insurance policy to lapse is a guaranteed way to bump up your insurance costs. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Adjust deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your GMC. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Envoy coverage.
  • Clean credit earns discounts – A driver’s credit history is a huge factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your 1999 GMC Envoy by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores.
  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Vehicles used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Envoy can result in significantly higher rates.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your Envoy policy. Insurance for vanishing deductibles, accidental death and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Rural vs Urban Areas – Being located in small towns and rural areas has it’s advantages when talking about insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and longer commute times. More time commuting means more change of being in an accident.
  • How your age affects price – Teen drivers have a tendency to be less responsible when driving so they pay higher insurance rates. Adding a youthful driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with an alarm system can get you a discount on your insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

How much can you save with discounts?

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the best known and the more hidden car insurance savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a set time period.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Own a Home – Owning a house can help you save on car insurance due to the fact that maintaining a home shows financial diligence.

It’s important to note that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not be available in every state.

Save $493 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. All the ads have a common claim of big savings if you change to their company.

But how can every company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver they prefer to insure. For instance, a profitable customer could be between 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who are not a match for the “perfect” profile will have to pay a higher premium and ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that kind of money. This is how companies can make those claims. Because of the profiling, you absolutely need to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on GMC Envoy insurance.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I drive in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?
  • If my 1999 GMC Envoy is totaled, can I afford another vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Information about specific coverages

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1999 GMC Envoy.

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 is important protection for you and your family.

Collision coverages – This covers damage to your Envoy from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills for doctor visits, X-ray expenses, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance – This coverage will cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like court costs, attorney fees and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Quote more. Save more.

Insureds change insurance companies for many reasons like delays in paying claims, high prices, extreme rates for teen drivers and even lack of trust in their agent. Regardless of your reason for switching companies, switching auto insurance companies can be pretty painless.

When shopping online for auto insurance, you should never buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

We just showed you a lot of tips how to get a better price on 1999 GMC Envoy insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from an unexpected company.

More detailed auto insurance information is available by following these links: