Lower Your 2000 GMC Envoy Car Insurance Cost

Trying to find better insurance rates for your GMC Envoy? Pricey GMC Envoy insurance can deplete your accounts and put a big crunch on your finances. Price shopping at each renewal is a smart way to ensure you are getting the best deal.

You have multiple insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the lowest rates.

Save a ton with these discounts

Insurance coverage is not an enjoyable expense, but you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be asked about prior to receiving the credit.

• 55 and Retired – Mature drivers may receive a slight reduction on a insurance coverage quote on Envoy coverage.
• Multi-car Discount – Drivers who insure more than one vehicle with one company can reduce rates for all insured vehicles.
• Multi-line Discount – Not all insurance coverage companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
• Active Service Discounts – Having an actively deployed family member could qualify you for better rates.
• Paperless Signup – Some of the larger companies will give a small break for buying your policy digitally online.
• Sign Early and Save – Select larger companies give a discount for switching policies before your current expiration date. This discount can save up to 10%.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and their offered discounts can be found below.

• State Farm may have discounts that include student away at school, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, anti-theft, and multiple autos.
• Progressive may offer discounts for multi-policy, homeowner, good student, continuous coverage, multi-vehicle, online signing, and online quote discount.
• Progressive includes discounts for multi-vehicle, homeowner, good student, online signing, and online quote discount.
• MetLife offers premium reductions for good driver, multi-policy, claim-free, defensive driver, and accident-free.
• Farm Bureau offers discounts including multi-vehicle, renewal discount, multi-policy, good student, 55 and retired, safe driver, and youthful driver.
• Geico may include discounts for defensive driver, five-year accident-free, daytime running lights, multi-policy, and membership and employees.
• SAFECO has savings for anti-theft, safe driver, drive less, teen safe driver, and teen safety rewards.

If you need lower rates, check with each insurance company how many discounts you can get. Depending on the company, some discounts might not apply in your area. To locate companies that offer multiple discounts, click this link.

Car insurance can be complex

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out if you will benefit from professional help.

• Do I need replacement cost coverage?
• How high should my uninsured/underinsured coverage be in my state?
• How high should deductibles be on a 2000 GMC Envoy?
• Am I covered if I hit my neighbor’s mailbox?
• Is my ex-spouse still covered by my policy?
• What if I owe more than I can insure my car for?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance coverage information

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Envoy.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage

Collision insurance covers damage to your Envoy resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like dental work, X-ray expenses, funeral costs, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

You can do this!

When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best possible price.

There are still a few companies who may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent insurance agents. Lower-priced 2000 GMC Envoy insurance can be found online and also from your neighborhood agents, so compare prices from both to have the best selection.

Much more information about insurance can be read at these links:

• Electronic Stability Control FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Neck Injury FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)