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 14, 2018

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It’s all about you. We want to help you make the right coverage choices.

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.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Want lower auto insurance rates for your GMC Safari? Are you baffled by the crazy number of auto insurance providers available to you? Many other people are as well. Drivers have so many choices that it can quickly become a big hassle to find the perfect company for you.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. This information will help you learn how to get online quotes. But consumers should learn the way companies market on the web and take advantage of how the system works.

How to find the cheapest insurance

To find cheaper auto insurance quotes, there are several ways to compare quotes from all the different companies. The best way to do a complete rate comparison is to jump online and get quotes. This can be accomplished in several different ways.

  1. Hands down the most simple method to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This quick form saves time by eliminating multiple quote forms for each company. In just a few minutes this one form will get you price quotes from all major companies. This is by far the quickest method.
  2. A different way to compare prices consists of going to the website for each individual company and repeat the quote process again and again. For sake of this example, let’s assume you need rates from Farmers, State Farm and GMAC. To do that, you would have to visit each site to enter the same coverage data repeatedly, which is why first method is reommended.

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

Whichever method you choose, make sure you compare apples-to-apples coverage information for each quote you get. If you are comparing unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Slightly different insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing a wide range of rates will improve the odds of getting the best offered rates. Some insurance companies are not set up to provide online quotes, so you should also compare quotes from them, too.

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

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You may qualify for discounts

Car insurance is not cheap, but you might be missing out on some discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about in order for you to get them.

  • Driver Training Discounts – Taking a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Homeowners Savings – Just being a homeowner can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Anti-theft Discount – Cars with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with one insurance company you could earn a discount of up to 20% and get you low cost auto insurance.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on insurance coverage.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Claim-Free Discount – Insureds with no claims or accidents pay less compared to drivers who are more careless.
  • College Student Discount – Older children who live away from home to go to college and leave their car at home could get you a discount.
  • Early Renewal Discounts – Some larger companies reward drivers for renewing your policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.

Keep in mind that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. Any amount of discount will positively reduce your overall bill.

Popular insurance coverage companies and some of their more popular discounts are included below.

  • State Farm offers discounts including accident-free, passive restraint, multiple autos, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, and student away at school.
  • Progressive includes discounts for online quote discount, multi-vehicle, good student, online signing, homeowner, and multi-policy.
  • Travelers has discounts for save driver, home ownership, new car, multi-car, IntelliDrive, and good student.
  • American Family may include discounts for Steer into Savings, accident-free, defensive driver, TimeAway discount, early bird, good driver, and air bags.
  • Liberty Mutual has savings for new move discount, preferred payment discount, teen driver discount, new vehicle discount, safety features, and good student.

Check with every insurance company to apply every possible discount. Some of the discounts discussed earlier might not apply in every state. To find insurance coverage companies that offer multiple discounts, click here.

There’s no such thing as the perfect insurance policy

When choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • Is my dog or cat covered if injured in an accident?
  • Does my insurance cover a custom paint job?
  • Am I covered if my car is in a flood?
  • Should I bundle my homeowners policy with my auto?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, doctor visits, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, falling objects, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Safari.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage protection

This coverage pays for damage to your Safari resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.