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 insurance coverage rates for your GMC Safari? Nobody likes paying for insurance coverage, especially when their premiums are too high.

Having so many companies and agents to choose from, it can be impossible to locate the best insurance company.

Get lower rates by taking advantage of discounts

Some providers don’t always advertise their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

  • Defensive Driver – Taking time to complete a course teaching defensive driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Telematics Data – Insureds that choose to allow driving data collection to track when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Progressive and Allstate permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Resident Student – Older children who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
  • Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on Safari insurance with a few insurance companies.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Bundle and Save – If you can combine your home and auto policy and insure them with the same company you will save over 10 percent off each policy depending on the company.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you could get a free insurance policy, insurance companies aren’t that generous. Any qualifying discounts will help lower your insurance premiums.

A few of the larger companies and some of the discounts can be read below.

  • State Farm may have discounts that include accident-free, anti-theft, safe vehicle, Drive Safe & Save, and defensive driving training.
  • Esurance discounts include online shopper, defensive driver, DriveSense, good driver, claim free, and paid-in-full.
  • Progressive offers discounts including multi-vehicle, continuous coverage, online signing, good student, homeowner, online quote discount, and multi-policy.
  • Liberty Mutual offers discounts for teen driver discount, multi-policy, new move discount, safety features, and new graduate.
  • Auto-Owners Insurance has discounts for teen driver, mature driver, good student, company car, air bags, and multiple vehicles.
  • GEICO has savings for multi-vehicle, multi-policy, anti-lock brakes, anti-theft, air bags, military active duty, and emergency military deployment.

Check with every insurance company which credits you are entitled to. Savings may not be available in your area. To choose insurance companies that offer discounts, follow this link.

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

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Informed drivers can slash their insurance premiums

Many different elements are taken into consideration when quoting car insurance. Some factors are common sense such as your driving record, although others are not as apparent like your continuous coverage or your financial responsibility.

  • Youthful drivers cost more – Inexperience drivers are proven to be more careless when driving therefore car insurance rates are much higher. If you’ve ever had to add a teenage driver to your policy will cause a huge premium hike. Older people are more cautious drivers, cause fewer claims and accidents and get fewer tickets.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher the price you pay to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Vehicles that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your car insurance policy correctly shows the proper vehicle usage. Having an incorrect usage rating on your Safari is just wasting money.
  • Car plus home equals more savings – Most major insurers will award a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other company rates to help ensure you have the lowest rates.
  • Women tend to cost less – Over time, data shows that females take fewer risks when driving. However, don’t assume that men are worse drivers. They both are responsible for auto accidents in similar percentages, but guys cause more damage. In addition to higher claims, males also receive more major tickets such as reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore pay the highest rates.
  • Does your job cost you more? – Jobs like doctorspolice officers and financial analysts tend to pay higher rates than the rest of us in part from intense work situations and lots of time spent away from family. On the flip side, professions such as professors, athletes and homemakers receive lower rates on Safari insurance.

How much insurance coverage do I need?

When buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Do I need an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I have combined single limit or split liability limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Collision insurance

Collision coverage will pay to fix damage to your Safari resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.


This can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as medical services, repair costs for stationary objects, attorney fees, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, vandalism, a broken windshield, fire damage and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, ambulance fees, surgery, doctor visits and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Safari.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages 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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A tidy conclusion

When searching for affordable insurance coverage quotes, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability coverage limits and learned later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we covered many ways to save on 2005 GMC Safari insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the lowest priced auto insurance comes from a small local company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

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