2000 GMC Safari Cargo Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Shopping for cheap auto insurance online can seem to be problematic for consumers new to comparing rates online. With such a large number of companies in the marketplace, how can anyone even start to compare the different rates to find the lowest rates?

It’s a good habit to take a look at other company’s rates quite often because prices trend upward over time. Even if you think you had the best rates for Safari Cargo coverage six months ago you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance online, so by reading this article, you’re going to learn some tested techniques to quit paying high auto insurance rates.

These discounts can lower your rates

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Senior Citizens – Older drivers may receive better insurance coverage rates for Safari Cargo coverage.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of providers offering insurance coverage discounts, click here.

Different people need different coverages

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • What discounts do I qualify for?
  • Am I covered when using my vehicle for business?
  • Are rock chip repairs covered?
  • What is covered by UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance – Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, 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. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like court costs, funeral expenses 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.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, theft, fire damage and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, hospital visits, prosthetic devices, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your Safari Cargo resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a mailbox, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

And the best car insurance company is…

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed full coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford.

Cheap 2000 GMC Safari Cargo insurance can be bought from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. There are still a few companies who don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We covered a lot of ways to save on insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from an unexpected company.

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