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 24, 2017

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Trying to find cheaper auto insurance rates for your GMC Safari? No sane person looks forward to buying auto insurance, in particular when the prices are way too high. There are many auto insurance companies to purchase coverage from, and even though it’s nice to have a choice, having more auto insurance companies makes it harder to compare rates.

More affordable rates by taking advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but some need to be asked for prior to getting the savings.

  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.
  • One Accident Forgiven – Not really a discount, but a few companies such as GEICO and Allstate will turn a blind eye to one accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Discount for Life Insurance – Some insurance companies give better rates if you take out life insurance from them.
  • Telematics Data – Insureds who allow driving data collection to look at their driving habits through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
  • Student Discounts – Excelling in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Payment Method – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

A few popular companies and a partial list of their discounts are included below.

  • The Hartford may include discounts for vehicle fuel type, air bag, driver training, anti-theft, defensive driver, and good student.
  • American Family may have discounts that include good driver, TimeAway discount, early bird, good student, and air bags.
  • Progressive includes discounts for online signing, multi-policy, online quote discount, good student, continuous coverage, homeowner, and multi-vehicle.
  • Travelers offers premium reductions for multi-policy, continuous insurance, hybrid/electric vehicle, driver training, payment discounts, good student, and student away at school.
  • Farmers Insurance has discounts for homeowner, pay in full, good student, mature driver, bundle discounts, youthful driver, and electronic funds transfer.
  • USAA offers discounts for driver training, loyalty savings, new vehicle, vehicle storage, multi-policy, multi-vehicle, and good student.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, preferred payment discount, new graduate, exclusive group savings, newly married, and hybrid vehicle.

Check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To view insurers who offer cheap insurance coverage quotes, follow this link.

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

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Compare free car insurance price quotes

The majority of larger companies allow consumers to get coverage price quotes on the web. Getting prices online is pretty painless as all you need to do is type in the coverage amounts you desire as requested by the quote form. When the form is submitted, their rating system requests reports for credit and driving violations and returns pricing information based on the data you entered. Online price quotes helps simplify price comparisons, but the process of having to visit different websites and type in your information is monotonous and tiresome. But it’s absolutely necessary to perform this step if you want to get a lower rate.

A quicker way to compare rates uses just one form to return rates from many companies. It’s a real time-saver, reduces the work, and makes online quotes much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and can result in significant savings.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the insurance coverages as close as possible to your current policy. Using the same limits helps guarantee you will have a rate comparison using the same coverage and limits.

How much auto insurance do I need?

When it comes to choosing coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions might help in determining if your situation might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • When does my teenage driver need to be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • How can I find cheaper teen driver insurance?
  • Can I still get insurance after a DUI?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my dog or cat covered if injured in an accident?
  • When would I need rental car insurance?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverages

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, a broken windshield and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays for damage to your Safari caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability auto insurance

This will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. It does not 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. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, loss of income, medical services, emergency aid and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1995 GMC Safari.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

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

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Summing up your auto insurance search

When getting car insurance quotes online, do not reduce needed coverages to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest cost and still be able to protect your assets.

You just read a lot of tips how to compare 1995 GMC Safari insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the most savings is with a smaller regional carrier. Smaller companies may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive and GEICO.

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