1993 GMC Safari Insurance Cost – 6 Tips for Cheaper Prices

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us, there are lots of people in the same boat. There is such a variety of insurance companies to choose from, and although it’s a good thing to have a selection, lots of choices makes it harder to find a good deal.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to reduce your rates substantially using this information. Consumers just need to know the proper way to get comparison rates online.

Compare Insurance Coverage Today

Getting a cheaper price on 1993 GMC Safari insurance can be relatively painless. You just need to spend a few minutes comparing rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • Probably the best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. One form submission gets rate comparisons direct from many companies.
  • A harder way to get quotes online is to manually visit each company website to request a price quote. For sake of this example, let’s say you want to compare rates from Allstate, Safeco and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The most time-consuming method of getting rate comparisons is to spend your day driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance that only a license agent can provide. You can, however, comparison shop your insurance online and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but compare apples-to-apples coverage limits for every quote you compare. If the quotes have mixed coverages it will be next to impossible to find the best deal for your GMC Safari.

Cut your car insurance rates with these six discounts

Companies don’t list every discount very well, so we researched some of the more common and the more hidden discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings when shopping for car insurance for Safari insurance.
  • Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.

Keep in mind that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies that may have these benefits include:

Before buying, ask each company which discounts you may be entitled to. Some discounts might not be offered in every state.

You are unique and your insurance should be too

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I wreck a rental car?
  • What can I do if my company denied a claim?
  • Does coverage extend to my business vehicle?
  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when delivering products for my home-based business?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Car insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Collision coverage

Collision coverage pays for damage to your Safari resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, rock chips in glass, hitting a bird and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims 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 should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, EMT expenses, prosthetic devices, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as medical services, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Feed the piggy bank

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cheap 1993 GMC Safari insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online quoting and these small, regional companies work with independent agents.

More detailed insurance information is located at these sites: