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: Jul 4, 2018

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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Looking for cheaper car insurance rates for your GMC Safari? Nobody that owns a car enjoys paying for car insurance, especially when they know they are paying too much. Having so many options when it comes to car insurance, it is very difficult to pick the right car insurance provider.

It’s important to get comparison quotes at least once a year since insurance prices are constantly changing. If you had the best rates on Safari insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest way to save on car insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use this information to find the best rates while maximizing coverage. Drivers just need to understand the best way to get comparison quotes online.

How to compare insurance coverage rate quotes

Cutting your insurance coverage rates is a fairly straight forward process. Consumers just need to invest a little time to get quotes online from several insurance companies. You can get a good selection of rate quotes by following the guidelines below.

  1. Hands down the most simple method to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for every prospective company. Just one form will get you price quotes instantly.
  2. A slightly less efficient method to analyze rates is to manually visit each company’s website and request a quote. For instance, let’s say you want rates from GEICO, Liberty Mutual and State Farm. You would have to spend time on each company’s site and enter your information, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

  3. The most difficult method to shop rates is driving to different agent offices. Quoting online has made agencies unnecessary unless you require the professional abilities of a local agent. It is possible to get the lowest quotes online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage limits with each company. If the quotes have different deductibles it’s not possible to get a fair rate comparison.

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

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Big names are not always cheapest

Consumers can’t escape the ads that promise big savings by State Farm, GEICO and Progressive. All the ads convey the message that people will save just by moving your car insurance policy to them.

How can each company claim to save you money?

Different companies have strict underwriting profiles for the type of customer that earns them the most money. One example of a desirable insured might have to be a mature driver, has few claims, and drives a vehicle with a low ISO rating. Any person who fits those characteristics receive the lowest rate quotes and will also save a lot of money.

Drivers who do not match these standards may be required to pay a more expensive rate and this results in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “all people who quote” can save as much as they claim. That’s why companies can make it sound like they have such great rates. Because of the profiling, it’s extremely important to get as many free auto insurance quotes as possible. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Lower your insurance costs

It’s important that you understand some of the elements that aid in calculating the rates you pay for insurance coverage. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower insurance coverage prices. Lots of factors are used when quoting car insurance. Most are fairly basic such as your driving history, although some other factors are less obvious such as your credit history or how financially stable you are.

The items below are some of the things used by companies to determine prices.

  • Drive less and save – The higher the mileage driven every year the higher your rates will be. A lot of companies apply a rate partially by how you use the vehicle. Cars and trucks used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Having the wrong rating on your Safari may be costing you. Double check that your policy states the correct usage for each vehicle.
  • Don’t skimp on liability protection – The liability section of your policy provides coverage in the event that you are determined to be liable for causing personal injury or damage in an accident. Liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Avoid unnecessary incidental coverages – There are a ton of extra bells and whistles that sound like a good idea at the time when buying insurance coverage. Things like roadside assistance, towing coverage, and motor club memberships are probably not needed. You may think they are a good idea at first, but if you have no use for them remove them from your policy.
  • The higher your credit rating the lower your premiums – Having a good credit score can be an important factor in determining what you pay for insurance coverage. So if your credit history could use some work, you could be paying less to insure your 1996 GMC Safari by repairing your credit. Insureds that have excellent credit tend to be less risk to insure than drivers with bad credit.
  • City dwellers may pay more – Having an address in a small town has it’s advantages when trying to find low car insurance rates. Lower population means reduced accidents in addition to lower liability claims City drivers have to deal with more aggressive driving styles and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • Buy a safe car and pay less – Safe vehicles are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts and more competitive rates for policyholders. If your GMC Safari has at least four stars on it is probably cheaper to insure.

These discounts can lower your insurance coverage quotes

Buying insurance coverage is not cheap, but there could be significant discounts that many consumers don’t even know exist. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked about before being credited. If you do not double check each discount you deserve, you are not getting the best rate possible.

  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could trigger a small discount.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Safari insurance depending on your insurance coverage provider.
  • Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Paperless Signup – Many insurance companies give back up to $50 for buying your policy digitally online.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Discount for Swiching Early – Select larger companies give a discount for buying a policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Buy New and Save – Insuring a vehicle that is new can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next insurance coverage statement.
  • Telematics Devices – Policyholders that allow their insurance company to spy on their driving habits through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they are good drivers.

Discounts lower rates, but some credits don’t apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

To see companies that have a full spectrum of discounts, click this link.

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

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Different people need different car insurance coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions might help in determining if your situation will benefit from professional help.

  • Is a fancy paint job covered?
  • How do I buy GAP insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my rates increase for filing one claim?
  • What are the best liability limits?
  • Is my teenager covered with friends in the car?
  • Why am I required to buy liability insurance?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, rolling your car, colliding with a tree, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for liability

This coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, attorney fees, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people 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 very important.

Comprehensive or Other Than Collision

Comprehensive insurance pays for 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 fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Smart shoppers get results

Affordable 1996 GMC Safari insurance can be sourced on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and these smaller providers sell through independent agencies.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best price, but do not skimp to save money.

Much more information about insurance coverage is located below: