2008 GMC Envoy Insurance Rates – 9 Tips to Save

Trying to find cheaper car insurance rates for your GMC Envoy? No one enjoys paying for car insurance, particularly when they are paying too much. Big-name insurance companies like Geico, Progressive and Allstate all claim big savings with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Consumers need to do rate comparisons before your policy renews due to the fact that insurance rates tend to go up over time. Even if you got the lowest rates on Envoy coverage a couple years back other companies may now be cheaper. Starting right now, ignore everything you know about car insurance because it’s time to teach you the fastest and easiest way to remove unneeded coverages and save money.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maximizing coverage. Buying car insurance is not rocket science. Consumers just need to understand the most effective way to buy insurance coverage over the internet.

Comparison of Insurance

There are several ways to shop for GMC Envoy insurance, and some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance companies in your area, or you can stay home and use the web for quick rates.

All the larger companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price. This system prevents you from having to do form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The single downside to doing it this way is you don’t know exactly the companies you want pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same coverages on every quote you get. If you compare different liability limits it will be next to impossible to find the best deal for your GMC Envoy.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help highlight if you could use an agent’s help.

Does coverage extend to my business vehicle?
Am I covered if I drive in a foreign country?
Does coverage extend to Mexico or Canada?
At what point should I drop full coverage?
Should I buy only the required minimum liability coverage?
Do I benefit by insuring my home with the same company?
What is an SR-22 filing?
What is the minimum liability in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, ambulance fees, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

This protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, structural damage and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Envoy resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch, hitting a parking meter, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Envoy.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle, vandalism, falling objects and rock chips in glass. 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 it’s not worth carrying full coverage.