2003 GMC Envoy XL Insurance Rates – 10 Tips for Best Quotes

Trying to find cheaper insurance coverage rates for your GMC Envoy XL? Finding the best price on insurance coverage may seem to be difficult if you’ve never compared online quoting. But don’t be discouraged because using the internet to shop for insurance coverage is actually quite easy.

You should take the time to do rate comparisons occasionally because prices change regularly. Even if you think you had the best price for Envoy XL coverage six months ago you may be paying too much now. So block out anything you think you know about insurance coverage because it’s time to teach you the fastest way to find lower rates on insurance coverage.

Choosing the best insurance company for you is not rocket science. Just about every vehicle owner who has to buy insurance coverage stands a good chance to be able to save money. But consumers must comprehend how the larger insurance companies price online insurance and take advantage of how the system works.

Insurance Quote Comparison

Effectively comparing insurance prices can take hours if you don’t know the most efficient way. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Most major companies belong to an insurance system that enables customers to enter their coverage request one time, and every company provides a quote determined by their information. This prevents consumers from doing quote requests for each company.

To compare pricing click here to open in new window.

The one downside to using this type of system is buyers cannot specifically choose which companies you want pricing from. If you prefer to choose specific providers to compare prices, we have assembled a list of low cost insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverages for each price quote. If you compare unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in limits can result in a big premium difference. Keep in mind that comparing more company’s prices provides better odds of finding lower pricing.

Discounts can save BIG

Companies that sell car insurance don’t always advertise every available discount very clearly, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Resident Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Envoy XL coverage with a few auto insurance companies.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • Defensive Driving Course – Completing a course in driver safety could save 5% or more if your company offers it.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that may have these benefits include:

Double check with each company how you can save money. Some discounts might not be offered in your state.

Will just any policy work for me?

When choosing adequate coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • Can I get a multi-policy discount?
  • Do I need more liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • How many claims can I have before being cancelled?
  • Can I make deliveries for my home business?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Specifics of your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for EMT expenses, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, loss of income, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, theft, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

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 will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, driving through your garage door and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.