2007 GMC Envoy Car Insurance Cost – 9 Tricks for Cheaper Prices

Sick and tired of scraping the payment together to insure your GMC every month? Your situation is no different than many other consumers. Companies like Geico, 21st Century and Progressive promote their brand names with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s a great practice to compare prices before your policy renews because insurance rates are variable and change quite frequently. Even if you got the lowest price on Envoy coverage on your last policy a different company probably has better rates today. Starting now, ignore everything you know about insurance coverage because it’s time to teach you how to use the internet to find better rates and still maintain coverage.

Insurance Prices Online

There are multiple methods you can shop for 2007 GMC Envoy insurance but there is one way that is more efficient than others. You could spend your day talking about coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

All the larger companies belong to an insurance system that enables customers to complete one form, and each participating company can give them a price based on the submitted data. This system prevents you from having to do repetitive form submissions to each company.

To compare 2007 GMC Envoy rates now click here to open in new window.

The single downside to getting quotes like this is you are unable to specify which companies to get pricing from. If you wish to select individual companies to compare prices, we have a page of companies who write insurance in your area. Click to view list.

Whichever method you choose, compare exactly the same quote information for each price quote. If you use mixed coverages it will be next to impossible to decipher which rate is best.

Do you qualify for these nine discounts?

Companies offering auto insurance don’t list every available discount very clearly, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Paperwork-free – Certain companies will give a small break for buying your policy online.
Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

For a list of companies with the best auto insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining if your situation could use an agent’s help.

Is my babysitter covered when using my vehicle?
When should I not file a claim?
I have a DUI can I still get coverage?
Is business property covered if stolen from my car?
Will my rates increase for filing one claim?
Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your Envoy from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, funeral expenses, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, ambulance fees, chiropractic care, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage