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: Jan 23, 2018

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Trying to find better insurance rates for your GMC Safari? Buying the cheapest insurance on the internet can seem to be problematic for vehicle owners not familiar with comparing prices over the internet. With a ridiculous number of insurance companies available, how can anyone possibly compare every possible option in order to find better rates?

Compare free insurance price quotes

Effectively comparing insurance prices is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours talking to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and every company can provide price quotes based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To compare pricing click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify which insurance companies to get pricing from. So if you prefer to pick individual companies to compare rates, we have a page of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be certain you are entering the same coverages and limits on every price quote you get. If your comparisons have different values for each quote it will be next to impossible to make a fair comparison for your GMC Safari. Just slight variations in limits can make a big difference in price. And when quoting insurance, remember that comparing all the rates in your area gives you a better chance of getting more affordable rates.

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

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Insurance coverage ads are enticing

State Farm and Allstate regularly use television and radio advertisements. All the companies make the same claim about saving some big amount just by moving your policy. How is it possible that every company can have lower policy pricing?

Many companies provide the lowest rates for the type of driver that is profitable for them. A good example of this type of insured should be between 30 and 50, owns a home, and has excellent credit. Someone that hits that “sweet spot” will qualify for the lowest car insurance rates and will probably save a lot of money.

Potential customers who do not meet this stringent profile may be forced to pay a higher rate which results in business not being written. Company advertisements say “people who switch” not “all people who quote” save that much when switching. That’s why companies can make the claims of big savings.

That is why drivers should compare quotes as often as possible. It’s just not possible to know with any certainty which company will be your best fit.

Lower rate quotes by getting these ten discounts

Companies don’t always advertise every policy discount very clearly, so we took the time to find some of the more common and also the lesser-known credits available to you.

  • Low Miles Discount – Fewer annual miles on your GMC could be rewarded with lower insurance coveragerates due to less chance of an accident.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on Safari coverage as compared to drivers with claims.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could save 10% to 20% off each policy.
  • Accident-Free Discounts – Drivers who don’t have accidents pay less in comparison with frequent claim filers.
  • Theft Deterent System – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Safari coverage.
  • Defensive Driver Discounts – Completing a course in defensive driver is a good idea and can lower rates and easily recoup the cost of the course.
  • Telematics Data Discounts – Insureds that choose to allow data collection to track vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn better insurance coveragerates if you take out a life insurance policy as well.
  • Driver’s Education for Students – Have your child successfully complete driver’s ed class in school.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Companies and their offered discounts include:

  • GEICO has discounts for air bags, multi-policy, daytime running lights, military active duty, five-year accident-free, and membership and employees.
  • Travelers offers discounts including multi-car, hybrid/electric vehicle, home ownership, continuous insurance, new car, student away at school, and payment discounts.
  • Nationwide includes discounts for Farm Bureau membership, easy pay, accident-free, multi-policy, and defensive driving.
  • Farmers Insurance offers premium reductions for switch companies, early shopping, good student, electronic funds transfer, business and professional, and mature driver.
  • Esurance discounts include anti-theft, emergency road assistance, paid-in-full, online shopper, and renters.
  • State Farm may include discounts for anti-theft, multiple autos, good student, accident-free, student away at school, Steer Clear safe driver discount, and safe vehicle.
  • Progressive may have discounts that include homeowner, online quote discount, multi-vehicle, multi-policy, online signing, good student, and continuous coverage.
  • Mercury Insurance has savings for type of vehicle, professional/association, location of vehicle, annual mileage, multi-policy, and good driver.

When getting a coverage quote, ask each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply everywhere. To see a list of insurers with the best insurance coverage discounts, click here.

Your insurance coverage should be tailored to you

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your situation may require specific advice.

  • Does my 1993 GMC Safari qualify for pleasure use?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can I cancel my policy?
  • Does my 1993 GMC Safari need full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 1993 GMC Safari?
  • How can I force my company to pay a claim?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

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

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Auto insurance specifics

Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as emergency aid, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your GMC Safari.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, ambulance fees, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Safari caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, backing into a parked car, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, vandalism, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Shop smart and save

The cheapest 1993 GMC Safari insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

We covered a lot of techniques to lower your 1993 GMC Safari insurance prices. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive insurance coverage. You may even discover the biggest savings come from the smaller companies.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, policy cancellation, delays in responding to claim requests or even unfair underwriting practices. No matter why you want to switch, finding the right insurance provider is easier than you think.

To learn more, feel free to visit the following helpful articles: