Compare 1995 GMC Safari Car Insurance Cost

Want cheaper insurance coverage rates for your GMC Safari? Finding the best price on insurance coverage can be a challenge if you have never used online price comparisons. But relax because finding affordable coverage online is easier than you think.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some must be inquired about before they will apply.

  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared with drivers who are more careless.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Discount for New Cars – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on your policy for Safari insurance.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce your overall premium however.

Car insurance companies that may offer these discounts include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in every state.

What coverages do I need?

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight if you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What exactly is covered by my policy?
  • Are split liability limits better than a combined single limit?
  • When should I drop full coverage on my 1995 GMC Safari?
  • What should my uninsured motorist coverage limits be in my state?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Are insurance companies telling the truth?

Insurance companies such as Allstate, GEICO and Progressive continually stream ads on TV and radio. They all seem to make the same claim that you can save after switching to them. How can each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential insureds who don’t measure up to the “perfect” profile must pay higher premiums which leads to business not being written. The ads state “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can advertise the way they do.

This illustrates why it’s extremely important to get a wide range of price quotes. It is impossible to predict which company will have the lowest GMC Safari insurance rates.

Auto insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1995 GMC Safari.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, nursing services, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers 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 coverage protection

This coverage will pay to fix damage to your Safari from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, fire damage, hitting a bird, a broken windshield and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, legal defense fees, structural damage, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Summing up your insurance search

You just learned a lot of tips how to save on 1995 GMC Safari insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from the least-expected company.

Cheaper insurance can be purchased both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as delays in paying claims, high prices, extreme rates for teen drivers and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.

More detailed insurance information is located by following these links: