2008 GMC Envoy Insurance Quotes – 5 Ways to Save

Trying to find lower insurance coverage rates for your GMC Envoy? Are you frustrated by the crazy number of insurance coverage choices? You have so many choices to choose from that it can really be a challenge to compare rates.

Pricing cheaper car insurance is quite easy. Basically, every vehicle owner who is shopping for car insurance will more than likely be able to find lower rates. But car owners must understand how big insurance companies sell insurance online and use this information to your advantage.

The cheapest insurance

Comparing insurance rates is a ton of work if you don’t know the most efficient way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Most of the best insurance companies belong to an insurance system that enables customers to submit their information once, and at least one company can provide price quotes based on that information. This saves time by eliminating quotation requests to every company. To access this free quoting program, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify the providers you want to price. If you prefer to choose individual companies for rate comparison, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using nearly identical coverages on every quote. If you compare different data then you won’t be able to make a fair comparison for your GMC Envoy. Just a small difference in coverage limits can make a big difference in price. It’s important to know that quoting more helps increase your odds of locating a lower rate than you’re paying now. Not every company does online price quotes, so it’s important to compare price quotes on coverage from those companies, too.

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Earn discounts to get lower-cost auto insurance quotes

Not many people think insurance is cheap, but there are discounts available that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be asked about prior to getting the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance quote.
• Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual and Geico permit an accident without the usual rate increase so long as you are claim-free before the accident.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Discount for Swiching Early – A few auto insurance companies give discounts for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
• Defensive Driving Course – Passing a class that teaches safe driver techniques could possibly earn you a 5% discount and also improve your driving technique.

A quick disclaimer, some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

Large auto insurance companies and some of their more popular discounts can be found below.

• Geico discounts include membership and employees, anti-lock brakes, five-year accident-free, multi-vehicle, military active duty, air bags, and anti-theft.
• MetLife includes discounts for defensive driver, good driver, good student, multi-policy, and accident-free.
• State Farm has savings for passive restraint, anti-theft, Steer Clear safe driver discount, defensive driving training, good driver, and good student.
• Progressive has discounts for good student, online signing, multi-vehicle, multi-policy, homeowner, online quote discount, and continuous coverage.
• Mercury Insurance offers premium reductions for good student, location of vehicle, ease of repair, age of vehicle, low natural disaster claims, and annual mileage.
• 21st Century may have discounts that include student driver, theft prevention, driver training, air bags, teen driver, and early bird.
• Allstate offers discounts including senior citizen, premier plus, good student, early signing, and EZ pay plan discount.

If you need lower rates, check with each company how you can save money. Some of the discounts discussed earlier may not apply in your area.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Am I covered when driving someone else’s vehicle?
• When can my company non-renew my policy?
• Am I covered by my spouse’s policy after a separation?
• Exactly who is provided coverage by my policy?
• When can I cancel my policy?
• If my 2008 GMC Envoy is totaled, can I afford another vehicle?
• Which is better, split liability limits or combined limits?
• Does my 2008 GMC Envoy need full coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

But they said I’d save $474 a year!

Insurance coverage providers like State Farm, Geico and Progressive continually stream ads in print and on television. They all seem to advertise the message of big savings if you move your coverage. It sounds good, but how can they all offer you a better deal? Here is how they do it.

Insurance companies have underwriting criteria for the type of customer that makes them money. For example, this type of insured could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A customer getting a price quote that meets those criteria will get very good rates and will probably save when switching.

Insureds who don’t meet these stringent criteria may receive higher premiums which usually ends up with the prospect going elsewhere. Company advertisements say “people that switch” not “all people who quote” save that much money. This is how insurance companies can confidently make those statements.

Because of the profiling, you need to do a rate comparison at every renewal. It is impossible to guess which company will have the best prices for your profile.

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Insurance specifics

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – This protects you from damage that occurs to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a deer, fire damage and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, funeral costs, doctor visits, EMT expenses and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance covers damage to your Envoy resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Knowledge is power

Cost effective 2008 GMC Envoy insurance is definitely available on the web and from local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide rate quotes online and most of the time these smaller providers prefer to sell through independent insurance agents.

Consumers leave their current company for any number of reasons including lack of trust in their agent, delays in paying claims, denial of a claim or being labeled a high risk driver. It doesn’t matter what your reason, finding the right auto insurance provider is actually quite simple.

You just learned a lot of techniques to reduce 2008 GMC Envoy insurance premium rates online. The most important thing to understand is the more you quote insurance, the better your comparison will be. You may even discover the biggest savings come from some of the lesser-known companies.

Additional resources

• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Keeping Children Safe in Crashes Video (iihs.org)

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