Cut your GMC Envoy Insurance Rates in Five Minutes
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But most likely we pay more than we want to and don't really enjoy the buying process. You probably feel the same way about finding lower cost coverage for your GMC Envoy.
Step One: Compare Multiple Rate Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. But you can now comparison shop and buy direct online!
The best car insurance companies offer online quoting for a GMC Envoy and it's very easy to compare different rates by only using one form.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Envoy is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Lower your Envoy Insurance Premium
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Envoy that will also lower the rate you pay irregardless of which company you choose.
- For some reason, car theives target particular makes and models more than others. If your Envoy is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Drivers often have a false sense of safety when driving an SUV, and this results in more accidents in adverse weather conditions. Unfortunately every SUV owner pays higher insurance rates because of this.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Select the Best Company for Your Needs
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Envoy that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Before you drive your GMC Envoy home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Envoy won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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