2002 GMC Envoy XL Insurance Rates
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UPDATED: Nov 23, 2017
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Want the cheapest car insurance rates for your GMC Envoy XL? Sick and tired of robbing Peter to pay Paul to insure your GMC every month? Your situation is no different than many other consumers.
With so many insurance providers from which to choose, it is very difficult to locate the most affordable provider.
It’s smart to get comparison quotes quite often because prices are adjusted regularly by insurance companies. Just because you had the lowest price on Envoy XL insurance a couple years back you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because it’s time to teach you one of the quickest ways to properly buy coverages and cut your premium.
How to Compare Insurance Coverage Quotes
When shopping for insurance coverage there are multiple ways of comparing rates from insurance coverage companies in your area. The fastest way to find the lowest 2002 GMC Envoy XL rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.
Probably the best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing repetitive form entry for each company you want a rate for. In just a few minutes this one form will return quotes from several companies.
Another way to get comparison quotes is going to each company website to complete a price quote. For instance, we’ll pretend you want rates from Nationwide, Progressive and Allstate. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming way to get comparison rates is to spend time driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance only provided by licensed agents. However, consumers can compare online quotes and still use a local agent and we’ll touch on that later.
It’s up to you how you get prices quotes, just ensure you’re using the exact same quote information with each company. If you use mixed coverages it will be next to impossible to make an equal comparison. Just a small difference in insurance coverages can result in a big premium difference. Keep in mind that comparing more company’s prices helps locate the best price.
Don’t pay full price with these discounts
Companies don’t always list every discount very well, so we took the time to find some of the more common and the more hidden ways to save on insurance coverage.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
- One Accident Forgiven – A few companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
- Paperless Signup – Some insurance companies give back up to $50 just for signing your application digitally online.
- Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
- No Claims – Good drivers with no accidents can save substantially compared to accident-prone drivers.
It’s important to understand that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, companies don’t profit that way.
A partial list of companies that may offer some of the above discounts are:
Double check with each company which discounts they offer. Discounts may not be available everywhere.
Your personal situation dictates your coverage
When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation might need professional guidance.
- Should I waive the damage coverage when renting a car?
- Which is better, split liability limits or combined limits?
- Where can I find high-risk insurance?
- How much can I save by bundling my policies?
- Am I covered if I hit my neighbor’s mailbox?
- Will I be non-renewed for getting a DUI or other conviction?
- When can I cancel my policy?
- Can I afford to pay high deductible claims out of pocket?
- Who is covered by my policy?
If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Insurance coverage options for a GMC Envoy XL
Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.
Collision coverage – Collision insurance will pay to fix damage to your Envoy XL resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as damaging your car on a curb, crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. 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. You can also raise the deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as theft, fire damage, hail damage, hitting a deer and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for liability – This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover 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. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability insurance covers things such as structural damage, funeral expenses, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, EMT expenses, surgery and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Shop Smart and Save
In this article, we covered many ways to compare 2002 GMC Envoy XL insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
Affordable insurance can be found online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer online quoting and these regional insurance providers work with independent agents.
Much more information about auto insurance can be found below:
- State Laws for Cellphones and Texting (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Drunk Driving Statistics (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- Where can I buy Insurance? (Insurance Information Insitute)
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