2004 GMC Safari Insurance Rates
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UPDATED: Sep 27, 2017
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Searching for the cheapest insurance coverage rates for your GMC Safari? Tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as most other car owners.
Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers and get the definite best rate
Consumers need to shop coverage around periodically because prices are adjusted regularly by insurance companies. Just because you found the best price on Safari coverage a year ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re about to learn how to quote online to find better coverage at a better price.
What determines your GMC Safari insurance premium
Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to big savings.
The following are a few of the “ingredients” car insurance companies consider when setting prices.
- Policy add-ons can waste money – There are a ton of extra coverages that can waste your money on your Safari policy. Things like personal injury protection, accident forgiveness and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so remove them from your policy.
- Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your GMC has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
- Claim-free discounts can add up – Auto insurance companies award discounts to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
- Pay less if you’re married – Getting married can get you a discount on car insurance. Having a significant other translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
- Older drivers save more – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to be less responsible in a vehicle and because of this, their car insurance rates are much higher.
- Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
- High credit ratings translate to low rates – Your credit history is a important factor in determining your rates. If your credit score is not that good, you could be paying less to insure your 2004 GMC Safari by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Don’t overlook these discounts
Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so we break down both the well known as well as the least known discounts you could be receiving.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
- Low Mileage Discounts – Driving fewer miles can qualify you for a substantially lower rate.
- Federal Employees – Active or retired federal employment may qualify you for a discount on Safari coverage with certain companies.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
It’s important to note that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.
A partial list of companies that possibly offer these benefits are:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.
Can you really save that much by switching?
Insurance coverage providers like Allstate and Progressive regularly use ads in print and on television. They all make an identical promise that you’ll save big if you move your coverage to them. How can each company claim to save you money? This is how they do it.
Insurance companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured might be over the age of 50, owns a home, and chooses high deductibles. Any driver who fits that profile will get very good rates and is almost guaranteed to save a lot of money.
Potential customers who fall outside this ideal profile will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will provide you with the cheapest GMC Safari insurance rates.
Is my situation unique?
When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.
- How can I force my company to pay a claim?
- Does coverage extend to my business vehicle?
- Should I get collision insurance on every vehicle?
- When should I remove comp and collision on my 2004 GMC Safari?
- What are the best liability limits?
- Is my teen driver covered when they drive my company car?
- I have health insurance so do I need medical payments coverage?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
The coverage is in the details
Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.
Uninsured/Underinsured Motorist coverage
This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Safari.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Coverage for collisions
Collision coverage covers damage to your Safari caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, surgery, pain medications, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as theft, a broken windshield and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This protects you from damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.
Saving money makes a lot of cents
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest price.
In this article, we presented a lot of techniques to reduce 2004 GMC Safari insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest premiums are with the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
Budget-conscious insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
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