View 1999 GMC Envoy Car Insurance Cost

Looking for the cheapest insurance rates for your GMC Envoy? Have you had enough of robbing Peter to pay Paul to insure your GMC every month? You are no different than millions of other consumers.

There are many insurers to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates.

It’s important to price shop coverage once or twice a year due to the fact that insurance rates change frequently. Even if you think you had the best price for Envoy coverage last year the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance because I’m going to teach you the quickest way to save on insurance.

This article will help you learn how to get online quotes and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using this information. But car owners do need to understand how companies sell online and use this information to your advantage.

Why you might be paying too much to insure your GMC Envoy

It’s important that you understand the rating factors that help determine the rates you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

  • Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your GMC. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Envoy coverage.
  • One company can mean more discounts – Many companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Sex matters – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • Little extras can really add up – There are quite a few additional coverages that you can get tricked into buying when buying insurance. Things like vanishing deductibles, accidental death and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Poor credit can mean higher rates – Your credit rating is a large factor in determining what you pay for insurance. People with high credit ratings tend to be more responsible than those with poor credit. So if your credit can use some improvement, you could pay less to insure your 1999 GMC Envoy by spending a little time repairing your credit.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically when you quote, but a few need to be manually applied before they will apply.

  • Memberships – Being a member of a civic or occupational organization could trigger savings when buying auto insurance for Envoy coverage.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Envoy coverage with certain companies.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

A partial list of companies that possibly offer some of the above discounts include:

Double check with each company what discounts are available to you. Discounts might not be offered everywhere.

Car insurance is unique, just like you

When it comes to buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight if your situation could use an agent’s help.

  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when pulling a rental trailer?
  • Is rental equipment covered for theft or damage?
  • What can I do if my company won’t pay a claim?
  • How much can I save by bundling my policies?
  • Am I getting all the discounts available?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but you think they might apply to your situation, 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.

Information about specific coverages

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, pain medications, nursing services, chiropractic care and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, falling objects, rock chips in glass and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, bail bonds, emergency aid and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for collisions

This will pay to fix damage to your Envoy resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, hitting a parking meter, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Online plus local equals savings

Throughout this article, we presented a lot of tips how to compare 1999 GMC Envoy insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best price on insurance is with a small local company. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Budget-conscious insurance is definitely available online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More information is available on the following sites: