2000 GMC Safari Insurance Rates
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UPDATED: Nov 23, 2017
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Looking for the cheapest car insurance rates for your GMC Safari? Are you tired of paying out the nose to insure your GMC every month? You are in the same boat as millions of other consumers. With so many companies to choose from, it is hard for the average consumer to find the cheapest insurance company.
The best way to get rate comparisons is to realize almost all companies participate in a system to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information such as if you’re married, how many miles driven, if the car is leased, and whether the vehicles are used for commuting. The data is sent automatically to multiple companies and you receive quotes with very little delay.
To compare rates for a 2000 GMC Safari now, click here and complete the form.
Don’t overlook these discounts
Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked for before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Fewer Miles Equal More Savings – Keeping the miles down on your GMC could qualify for a substantially lower rate.
- Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
It’s important to understand that many deductions do not apply the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce your overall premium however.
Car insurance companies that may have these money-saving discounts include:
It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not be available in your area.
Is my situation unique?
When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out if you might need an agent’s assistance.
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered when driving on a suspended license?
- Do I need to file an SR-22 for a DUI in my state?
- Do I need medical payments coverage since I have good health insurance?
- What can I do if my company denied a claim?
- Do I need more liability coverage?
- I have good health insurance, so how much medical payments coverage do I need?
- Which companies will insure high-risk drivers?
- Is my dog or cat covered if injured in an accident?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp 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 nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.
Auto liability – This coverage protects you from damage that occurs to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles, pain and suffering, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Collision – This coverage covers damage to your Safari caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like a broken windshield, rock chips in glass, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like chiropractic care, pain medications, hospital visits, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2000 GMC Safari.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.
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