Lower Your 2002 GMC Envoy Insurance Cost

Finding the cheapest insurance for a GMC Envoy can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to price shop coverage for your GMC and obtain the cheapest rates.

Consumers should take time to do rate comparisons every six months because insurance rates are usually higher with each renewal. Just because you had the lowest price for Envoy coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

Comprehensive Insurance Comparison Quotes

Comparing insurance rates is a ton of work if you don’t understand the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use the internet to get prices fast.

Most major companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company then gives them pricing based on that information. This saves time by eliminating quote forms for each company you want a rate for.

To participate in this free quote system, click to open in new window.

The only downside to getting quotes like this is you are unable to specify which providers you want pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same coverages and limits on every quote. If you are comparing mixed coverages you can’t possibly decipher which rate is best.

Is my situation unique?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • When would I need rental car insurance?
  • What is high-risk coverage and where do I buy it?
  • Does my medical payments coverage pay my health insurance deductible?
  • I don’t drive much so do I pay less?
  • Is my camper covered by my car insurance policy?
  • Is my 2002 GMC Envoy covered for flood damage?

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, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like EMT expenses, X-ray expenses, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability 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 commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your GMC Envoy.

Since many drivers 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 similar to your liability insurance amounts.