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: Sep 9, 2018

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Consumers have lots of choices when looking for affordable GMC Safari insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to compare rates on a GMC and locate the lowest possible price.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Vehicle owners only need an understanding of the proper way to compare company rates on the web.

Insurance coverage companies offer money-saving discounts

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known savings tricks you should be using when you buy auto insurance online. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Clubs and Organizations – Having an affiliation with certain professional organizations could earn you a nice discount on your next insurance coverage statement.
  • Own a Home and Save – Simply owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Resident Student – Older children who attend college more than 100 miles from home and don’t have a car can receive lower rates.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
  • Accident Free – Claim-free drivers pay less compared to policyholders that have many claims.

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will help lower your premiums.

Some of the insurance companies that may offer policyholders most of the discounts above are:

If you are trying to find inexpensive auto insurance quotes, ask each company what discounts are available to you. Some credits may not apply to policies in your area. To find insurance companies that offer many of these discounts, click here to view.

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

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Do I just need basic coverages?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Does my 1992 GMC Safari qualify for pleasure use?
  • Is rental equipment covered for theft or damage?
  • Why is insurance for a teen driver so high?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I break a side mirror?
  • Is pleasure use cheaper than using my 1992 GMC Safari to commute?
  • Is extra glass coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • Should I have combined single limit or split liability limits?
  • Should I have a commercial auto policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Will you really save $442 on insurance?

Drivers can’t get away from ads that claim the lowest premium rates by companies like State Farm and Allstate. All the companies make an identical promise of big savings if you switch your insurance coverage to their company.

How does every insurance company charge you a lower premium? It’s all in the numbers.

Most companies have specific characteristics for the type of driver that will be a good risk. A good example of a profitable risk profile could be a mature driver, has no prior claims, and drives a vehicle with a low ISO rating. A driver that meets those criteria will qualify for the lowest premium rates as well as cut their rates substantially.

Potential customers who don’t qualify for those standards may be required to pay higher prices and business going elsewhere. The wording the ads use say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can confidently advertise the savings. Because of this risk profiling, it is so important to do a price quote comparison at every renewal. It is impossible to guess which company will have the lowest rates.

Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 1992 GMC Safari.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, court costs, medical expenses, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage pays for damage to your Safari caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for ambulance fees, rehabilitation expenses, doctor visits, dental work and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive protection – This coverage pays for 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 protects against things like damage from getting keyed, hitting a deer, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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

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And the best car insurance company is…

We covered a lot of information how to shop for 1992 GMC Safari insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. Drivers may discover the lowest rates come from the smaller companies.

Low-cost 1992 GMC Safari insurance can be found from both online companies as well as from insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some companies may not have the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at a price you can afford.

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