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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Searching for lower insurance coverage rates for your GMC Safari? Feel like you have an expensive insurance coverage policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Numerous insurers battle for your business, and because of this it can be hard to compare insurance companies and uncover the absolute best rate

It’s smart to check insurance coverage prices every six months since prices fluctuate regularly. Just because you had the best price for Safari coverage a few years ago there is a good chance you can find better rate quotes now. There is too much inaccurate information about insurance coverage online but in a few minutes you can learn some of the best ways to lower your insurance coverage rates.

Smart consumers can slash their insurance rates

Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving record, but other factors are less obvious such as your marital status or how financially stable you are.

  • Pleasure use or commuting – The higher the miles on your GMC in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based upon how you use the vehicle. Autos that are left in the garage receive better premium rates than those used for commuting. Incorrect rating for your Safari may be wasting your money. It’s a smart idea to ensure your declarations sheet properly reflects the right rating data.
  • Consolidate home and auto and save – Most companies give a discount for people who carry more than one policy in the form of a multi-policy discount. The discount can be 10 percent or more. Even if you already get this discount, consumers should still get quotes from other companies to verify if the discount is saving money. It’s possible to still save even more by buying insurance from a different company.
  • A coverage lapse can increase rates – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, getting caught without coverage could result in fines or a revoked license.
  • High coverage deductibles lower prices – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of covered claims are collision with another vehicle, hail damage, and rolling your vehicle. Comp and collision deductibles are how much you are willing to pay before your insurance pays a claim. The more of the claim the insured is willing to pay, the less your company will charge you for insurance for Safari coverage.
  • Older drivers pay less – Teen drivers have been known to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher. If you’ve ever had to add a young driver to your policy can be quite pricey. Older, more experienced drivers are more responsible, are lower risk to insure , and are generally more financially stable.
  • Alarms and GPS tracking lower premiums – Buying a car that has a built-in theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
  • Minor frequent policy claims are not good – Insurance companies give discounts to people who are claim-free. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.

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Insurance coverage policy discounts

Some insurers don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Membership in Organizations – Being a member of a qualifying organization is a simple method to lower premiums when getting a car insurance quote.
  • Multiple Cars – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Safari coverage with some insurance coverage companies.
  • Resident Student – living away from home attending college and do not take a car to college may be insured at a cheaper rate.
  • Auto/Life Discount – Larger insurance carriers have a discount if you purchase auto and life insurance together.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% for Safari coverage compared to accident prone drivers.
  • Defensive Driving Course – Passing a driver safety course could earn you a small percentage discount and make you a better driver.
  • No Charge for an Accident – but certain companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.

A little disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the larger companies that may have most of the discounts above possibly include:

When getting free car insurance quotes, it’s a good idea to each company what discounts are available to you. Some discounts might not be available to policyholders in your area.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have newly-aquired coverage?
  • Can my teen drive my company car?
  • What is the minimum liability in my state?
  • Is business equipment covered while in my vehicle?
  • Am I covered when driving on a suspended license?
  • Which is better, split liability limits or combined limits?
  • Is my state a no-fault state?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage basics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, bail bonds, medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your GMC Safari.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects, hitting a deer and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, chiropractic care, nursing services, funeral costs and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, hitting a mailbox, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

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Saving money makes a lot of cents

When shopping online for insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice full coverage and learned later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Cost effective 1998 GMC Safari insurance is available online as well as from independent agents, so you need to shop car insurance with both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and usually these smaller companies only sell through independent agents.

We just covered some good ideas how to lower your 1998 GMC Safari insurance car insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest car insurance rates are with a small local company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

For more information, take a look at the articles below: