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 cheaper car insurance rates for your GMC Safari? No one in their right mind rejoices having to buy car insurance, especially when it costs too dang much.

Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the definite lowest rate

Where can I get the cheapest insurance?

When shopping for insurance there are multiple ways to compare rate quotes from all the different companies. By far the easiest way to lower the rate you pay for GMC Safari insurance consists of obtaining rate quotes online. It’s really quite simple and can be done in a couple of different ways.

  1. If you’re in a hurry, the quickest way to get quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quote forms to each individual insurance company. In just a few minutes this one form will return price quotes instantly.
  2. A harder way to obtain and compare quotes online requires a visit to the website of each company and repeat the quote process again and again. For instance, we’ll pretend you want to see prices from State Farm, Allstate and American Family. You would need to go to each individual site and enter your policy data, which can get rather old.

    To view a list of companies in your area, click here.

  3. The least efficient method to compare price quotes is going to local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you prefer the professional abilities that only an agent can give. You can, however, price shop online and still use a local agent.

It’s up to you how you get prices quotes, just double check that you are using the exact same information on every quote you get. If you use mixed coverages it’s impossible to determine which rate is truly the best. Having just a slight variation in coverage limits may result in large price differences. And when quoting insurance, remember that having more price comparisons provides better odds of finding a better price.

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

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Get lower rates by taking advantage of discounts

Car insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be specifically requested before you get the savings.

  • One Accident Forgiven – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • 55 and Retired – Older drivers could receive lower premium rates on Safari coverage.
  • Bundle and Save – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
  • Low Miles Discount – Maintaining low annual mileage could earn slightly better prices than normal.
  • Claim-Free Discount – Claim-free drivers pay much less compared to bad drivers.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and their possible discounts are detailed below.

  • Farmers Insurance has discounts for distant student, electronic funds transfer, business and professional, switch companies, and homeowner.
  • State Farm offers discounts including accident-free, Steer Clear safe driver discount, safe vehicle, multiple policy, and multiple autos.
  • Liberty Mutual may have discounts that include multi-car, newly married, preferred payment discount, good student, new graduate, and exclusive group savings.
  • MetLife discounts include multi-policy, defensive driver, accident-free, claim-free, and good student.
  • Progressive has savings for continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, and good student.

When quoting, ask every insurance company which discounts you may be entitled to. Discounts may not be available in your area. If you would like to view car insurance companies that have a full spectrum of discounts, follow this link.

You can change your insurance premiums

An important part of buying insurance is that you know the different types of things that aid in calculating your policy premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can help you get big savings.

  • Incidental coverages can cost a lot – Policies have optional add-on coverages that can add up on your insurance coverage policy. Coverages like coverage for rental cars, accidental death, and additional equipment coverage are some examples. You may think they are a good idea at first, but if you have no use for them eliminate the coverages to reduce your premium.
  • Discounts for auto and home policies – Lots of insurers will give a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you already get this discount, it’s in your best interest to comparison shop to ensure the best deal.
  • Better drivers pay the best premiums – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can bump up the cost substantially. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who have gotten dangerous tickets like DUI or reckless driving are required to file a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Prices can change based on your address – Choosing to live in a rural area can be a good thing when talking about insurance coverage. Fewer people means a lower chance of having an accident in addition to lower liability claims Residents of big cities have to deal with congested traffic and higher rates of accident claims. Higher commute times can result in more accidents.
  • Younger drivers cost more – Older, more experienced drivers are more responsible, tend to cause fewer accidents , and usually have better credit.Teen drivers have been known to be easily distracted in a vehicle so insurance coverage rates are higher.

How much car insurance do I need?

When buying coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • Do I need motorclub coverage?
  • How much liability do I need to cover my assets?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover my expensive audio equipment?
  • Which companies will insure high-risk drivers?
  • Can I afford to buy a different vehicle if my 2001 GMC Safari is totaled?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

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

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Learn about insurance coverages for a 2001 GMC Safari

Having a good grasp of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people. It does not 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. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like attorney fees, pain and suffering, emergency aid, bail bonds and legal defense fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your Safari resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, doctor visits and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hail damage, fire damage, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make an honest buck

As you quote car insurance, never reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

More affordable insurance can be found on the web and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some companies may not provide price quotes online and most of the time these regional carriers only sell through independent agents.

You just learned quite a bit of information on how to compare 2001 GMC Safari insurance premium rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may be surprised to find that the lowest premium rates come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

More detailed insurance information is available at these sites: