Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 26, 2018

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Searching for cheaper insurance rates for your GMC Safari? Drivers not familiar with shopping for car insurance online are likely to find locating affordable auto insurance is nearly impossible.

It’s a good habit to check insurance prices before your next renewal because insurance prices are variable and change quite frequently. If you had the lowest rate for Safari coverage a year ago you will most likely find a better premium rate today. You can search a lot of insurance out there, but by reading this article, you’re going to learn some great ways to lower your insurance bill.

Do you qualify for discount auto insurance?

Auto insurance is not an enjoyable expense, but there are discounts available that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but a few must be specifically requested in order for you to get them.

  • More Vehicles More Savings – Buying coverage for multiple vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
  • Active Military Service – Being on active deployment in the military could mean lower auto insurance rates.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on your next renewal.
  • Life Insurance – Some auto insurance companies give a lower auto insurance rate if you buy a life insurance policy as well.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
  • Senior Discount – Older drivers can get reduced rates for Safari coverage.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Telematics Devices – Insureds that choose to allow driving data submission to scrutinize driving manner remotely such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower premium rates on the low mileage vehicles.

As a sidenote, some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Some companies that may include many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with each company or agent the best way to save money. Some credits may not be available in every state. For a list of insurance companies with discount rates, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How insurance companies determine GMC Safari insurance rates

When buying car insurance it’s important to understand the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with cheaper rates. Multiple criteria are part of the equation when premium rates are determined. Most are fairly basic like your driving record, but some are more transparent such as whether you are married or your commute time.

  • How do annual miles impact costs? – Driving a lot of miles in a year the more it will cost to insure it. A lot of companies calculate prices determined by how the vehicle is used. Cars that have low annual miles receive lower rates compared to those used for work or business. Incorrect rating for your Safari can cost quite a bit. It’s a good idea to make sure your declarations sheet is showing the right rating data, because improper ratings can cost you money.
  • Tickets are costly – How you drive impacts your car insurance rates tremendously. Only having one ticket could increase your next policy renewal by as much as thirty percent. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have dangerous violations such as DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state in order to drive a vehicle legally.
  • Poor credit rating equals high premiums – Your credit score is likely to be a major factor in determining premium rates. People with high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit is low, you could be paying less to insure your 1990 GMC Safari by taking the time to improve your credit score.
  • Defend yourself with liability insurance – Liability insurance will protect you in the event that you are determined to be liable for causing personal injury or damage in an accident. It provides legal defense coverage which can cost thousands of dollars. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Multiple policies with one company – The majority of companies apply lower prices to buyers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.
  • Reserve claims for larger damages – Companies generally give discounts to people who are not frequent claim filers. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Higher prices for specific jobs – Jobs such as judgesair traffic controllers and miners tend to have higher rates than average due to job stress and incredibly demanding work hours. On the other hand, jobs such as scientists, students and performers have lower than average premiums for Safari coverage.
  • Policy add-ons may be wasting money – There are a lot of add-on coverages that you can buy if you aren’t diligent. Things like rental car reimbursement, accidental death, and extra life insurance coverage could be just wasting money. They may seem good when buying your policy, but if they’re wasting money remove them and pocket the money.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • Am I covered when delivering products for my home-based business?
  • Where can I find DUI or SR-22 insurance?
  • Which companies will insure high-risk drivers?
  • What is roadside assistance coverage?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance 101

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage pay for bills like pain medications, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, damage from flooding, rock chips in glass, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your GMC Safari.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability – Liability insurance protects you from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, loss of income, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverage on a shoestring budget

Insureds who switch companies do it for many reasons like poor customer service, policy non-renewal, not issuing a premium refund or even high rates after DUI convictions. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

You just learned a lot of information how to lower your 1990 GMC Safari insurance premium rates. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier.

Lower-priced insurance coverage is definitely available on the web in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer rates over the internet and most of the time these small, regional companies only sell coverage through local independent agencies.

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