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 28, 2017

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Looking for lower insurance rates for your GMC Safari? Frustrated by the crazy number of insurance providers available to you? You’re not alone. There are such a large number of options that it can easily turn into a real difficult job to compare premium rates.

Auto insurance discounts are available to reduce your rates

Insuring your vehicles can cost a lot, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but occassionally some discounts must be asked about prior to getting the savings.

  • E-sign – Some of the larger companies will give a small break for buying your policy on the internet.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as opposed to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – By making one initial payment as opposed to paying monthly you may reduce your total bill.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies may permit one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Safe Driver Discount – Drivers who avoid accidents can save as much as half off their rates for Safari coverage than less cautious drivers.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Professional Memberships – Belonging to a professional or civic organization is a simple method to lower premiums on your next renewal.

You can save money using discounts, but most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few popular companies and the discounts they provide are detailed below.

  • Progressive may include discounts for homeowner, online signing, good student, continuous coverage, multi-policy, and online quote discount.
  • GEICO has discounts for emergency military deployment, membership and employees, defensive driver, anti-theft, and anti-lock brakes.
  • State Farm offers discounts for passive restraint, multiple policy, good driver, defensive driving training, good student, and driver’s education.
  • Esurance may have discounts that include anti-lock brakes, homeowner, Pac-12 alumni, good driver, and safety device.
  • The Hartford policyholders can earn discounts including air bag, defensive driver, bundle, vehicle fuel type, good student, and anti-theft.

Before purchasing a policy, check with every prospective company to apply every possible discount. Some discounts might not be offered on policies everywhere. To choose insurance companies that offer the discounts shown above, follow this link.

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

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Everyone needs different insurance coverages

When it comes to buying the best insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if your situation will benefit from professional help.

  • Am I covered when using my vehicle for business?
  • How can I find cheaper teen driver insurance?
  • How high should my medical payments coverage be?
  • Am I covered by my spouse’s policy after a separation?
  • When does my teenage driver need to be added to my policy?
  • When can my company non-renew my policy?
  • What exactly is covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This protects you from damage that occurs to other’s property or people. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, court costs, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, prosthetic devices, dental work, hospital visits and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Don’t break the bank

Insureds who switch companies do it for any number of reasons including policy non-renewal, unfair underwriting practices, an unsatisfactory settlement offer and even policy cancellation. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

Some insurance companies don’t offer online quoting and many times these regional insurance providers prefer to sell through independent agencies. The cheapest 1991 GMC Safari insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We’ve covered a lot of tips how to reduce 1991 GMC Safari insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting cheap insurance. Consumers could even find that the most savings is with a lesser-known regional company.

More tips and info about insurance can be found by following these links: