2006 GMC Envoy XL Car Insurance Rates – 5 Policy Discounts

Searching for cheaper insurance rates for your GMC Envoy XL? I doubt anyone anticipates paying for insurance, especially when they could find lower prices if they just compared rates. Companies like Geico and Progressive continually hit you with fancy advertisements and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

Compare auto insurance quotes

Most companies such as Progressive, Geico, Allstate and State Farm allow consumers to get insurance quotes direct online. Getting online quotes is possible for anyone as you just enter your coverage information into the form. Upon sending the form, the company’s rating system will obtain your driving record and credit report and returns a price quote. Online price estimates helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s also necessary to compare as many rates as possible in order to get a better rate.

There is a better way!

A more efficient way to find better auto insurance pricing requires only one form to get prices from more than one company. This type of form saves time, reduces the work, and makes rate comparisons a little more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any one of the quotes that you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in just like they are on your policy. This helps ensure you will have a price comparison based on identical coverages.

Discounts can really help to save

Insuring your vehicles can cost a lot, but there could be significant discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of purchase, but some must be requested specifically before being credited.

• Discount for Low Mileage – Driving less could be rewarded with lower rates on the low mileage vehicles.
• Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
• Save over 55 – Seniors are able to get a slight reduction on a car insurance quote for Envoy XL insurance.
• Passive Restraint Discount – Options like air bags or motorized seat belts can get savings of 20 to 30 percent.
• Good Student – A discount for being a good student can earn a discount of 20% or more. You can use this discount normally up until you turn 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

For a list of insurance coverage companies with significant discounts, follow this link.

Will just any policy work for me?

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if you could use an agent’s help.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford to pay high deductible claims out of pocket?
• Are split liability limits better than a combined single limit?
• How do I buy GAP insurance?
• Should I buy only the required minimum liability coverage?
• Is other people’s property covered if stolen from my vehicle?
• What discounts do I qualify for?
• Can I afford low physical damage deductibles?

If you can’t answer these questions but a few of them apply, you may need to chat with 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. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Collision – Collision insurance pays for damage to your Envoy XL caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, rolling your car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hail damage, hitting a deer and hitting a bird. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Liability coverages – This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, medical services, loss of income and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like surgery, X-ray expenses, doctor visits, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage