Save on 1998 GMC Safari Insurance Rates

Finding better rates for auto insurance is challenging for people who are new to comparing rates online. Consumers have so many options available that it can be a challenge to find the best price.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Some discounts apply automatically when you quote, but a few must be manually applied before you will receive the discount.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Homeowners Savings – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Senior Citizens – Older drivers may qualify for better insurance coverage rates for Safari coverage.
  • No Claims – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Safari coverage with certain companies.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. But all discounts will cut your overall premium however.

For a list of insurers who offer insurance coverage discounts, click here to view.

Factors influencing GMC Safari insurance rates

It’s important that you understand some of the elements that play a part in calculating your insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.

  • Your age impacts your rates – Youthful drivers are known to be careless and easily distracted when driving so insurance rates are higher. Parents adding a young driver to your insurance policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and are safer drivers.
  • Traffic citations inflate rates – A bad driving record has a huge affect on how much you pay. Even one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that can waste your money on your insurance policy. Insurance for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • High deductibles save money – Your deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more you have to pay, the lower your rates will be for Safari coverage.
  • Marriage pays dividends – Having a spouse can get you a discount when buying insurance. Having a spouse is viewed as being more mature and it’s proven that being married results in fewer claims.
  • Your occupation can affect rates – Jobs such as real estate brokers, executives and dentists tend to pay the highest average rates because of high stress and lengthy work days. Other professions such as farmers, historians and retirees have the lowest average rates for Safari coverage.

Everyone needs different coverages

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • Does my insurance cover a custom paint job?
  • Can my teen drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need higher collision deductibles?
  • Is my babysitter covered when using my vehicle?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance policy coverages for a GMC Safari

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they 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.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, dental work, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Safari caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance

This can cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In any little way, save everyday

We just covered many ways to get a better price on 1998 GMC Safari insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the most savings is with some of the lesser-known companies.

Budget-conscious insurance is available on the web as well as from independent agents, so compare prices from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

People who switch companies do it for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, delays in paying claims or high prices. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

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