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 5, 2015

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Want better insurance rates for your GMC Safari? Trying to find better insurance prices for your GMC Safari can normally be difficult, but you can use the following methods to find lower rates.

There is a better way to compare insurance rates and you need to know the best way to get price quotes on a GMC and find the cheapest rates from local insurance agents and online providers.

Finding affordable insurance coverage is quite easy. If you have insurance now or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. Vehicle owners only need an understanding of the proper methods to get comparison quotes over the internet.

Auto insurance companies offer many types of discounts

Auto insurance can be pricey, but you might be missing out on some discounts that many people don’t even know exist. Some discounts will apply when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit. If you do not double check each discount available, you may be paying too high a price.

  • Online Discount – Some of the larger companies may give you up to $50 shop insurance coverage on your computer.
  • Discount for Swiching Early – A few auto insurance companies give discounts for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Passive Restraints and Air Bags – Options like air bags can get savings of 25 to 30%.
  • Include Life Insurance and Save – Some auto insurance companies give a discount if you purchase life insurance.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous. But any discount should definitely cut your policy cost.

Large auto insurance companies and some of the discounts can be found below.

  • GEICO may offer discounts for federal employee, seat belt use, anti-lock brakes, emergency military deployment, and driver training.
  • Auto-Owners Insurance has savings for teen driver, group or association, safe driver, mature driver, multiple vehicles, paid in full, and safe vehicle.
  • American Family includes discounts for mySafetyValet, multi-vehicle, defensive driver, good student, air bags, and bundled insurance.
  • Esurance policyholders can earn discounts including Switch & Save, multi-policy, safety device, anti-lock brakes, and multi-car.
  • Progressive discounts include multi-policy, online quote discount, good student, online signing, multi-vehicle, and continuous coverage.
  • State Farm has discounts for student away at school, anti-theft, passive restraint, multiple policy, accident-free, multiple autos, and driver’s education.
  • AAA offers premium reductions for AAA membership discount, pay-in-full, anti-theft, multi-car, multi-policy, education and occupation, and good driver.

If you need cheaper insurance coverage quotes, ask all companies you are considering which discounts you qualify for. Discounts may not be available in your state. If you would like to choose from a list of auto insurance companies that offer the discounts shown above, click here.

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

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How much is insurance coverage?

Reducing your 1997 GMC Safari insurance rates is surprisingly easy. The only requirement is to take a few minutes comparing rate quotes online from several insurance companies. Insurance prices can be quoted in several different ways.

  1. One of the best ways to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate quote forms for each company. Just one form gets prices estimates from all major companies. This is perfect if you don’t have a lot of time.
  2. A different way to get quotes online requires a trip to each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want to get rates from Farmers, GEICO and GMAC. You would have to take the time to go to each site and enter your information, which can get old fast. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage limits for each price quote. If you have different values for each quote it will be very difficult to make a fair comparison for your GMC Safari.

Do I just need basic coverages?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?
  • Is my nanny covered when driving my vehicle?
  • Can I get a multi-policy discount?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Specific coverages for a GMC Safari

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability coverage – This coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, legal defense fees, bail bonds, structural damage and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision insurance covers damage to your Safari caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, colliding with a tree, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage, hitting a deer, damage from flooding and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as ambulance fees, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Safari.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits 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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In Summary

We’ve covered many tips how you can save on 1997 GMC Safari insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the lowest prices are with a small mutual company.

Some car insurance companies may not offer online rate quotes and these small, regional companies work with independent insurance agents. Budget-friendly car insurance can be found both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

People leave their current company for a number of reasons such as high prices, policy non-renewal, delays in responding to claim requests and even lack of trust in their agent. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

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