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Car Insurance Quotes for a GMC Envoy

Are You Getting the Cheapest Car Insurance Available for a GMC Envoy?

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How Much Is Car Insurance for a GMC Envoy?

The average annual premium for a GMC Envoy auto policy is $1,548 for full coverage and $936 for minimum coverage.

All drivers must have an auto insurance policy to drive. Two popular policies to consider are liability-only and full coverage.

Both satisfy the legal requirement and provide a mix of benefits to reduce the likelihood of you paying out-of-pocket expenses to cover the cost of injuries or damages sustained by yourself, your passengers, or third parties after a car wreck.

If you’re looking to purchase a new and affordable policy, let Freeway Insurance lend a hand. We’re more than ready to help you explore all your low-cost auto insurance options.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a GMC Envoy to Other Vehicles

GMC Envoy drivers should expect to pay higher or lower premiums than Chevrolet Equinox, Jeep Grand Cherokee, Toyota Highlander, and Honda CR-V drivers. There are reasons for the difference in costs, such as the cost of parts and labor, safety record, theft rate, and dozens of other variables.

Make/Model Annual Full Coverage Insurance
GMC Envoy $1,548
Chevrolet Equinox $1,467
Jeep Grand Cherokee $1,531
Toyota Highlander $1,511
Honda CR-V $1,369

Types of Car Insurance Coverage for a GMC SUV

Two types of insurance options GMC Envoy drivers might consider are liability-only and full coverage.

Liability-only provides third-party coverage for damages and injuries you cause to others in an at-fault accident. In turn, full coverage includes liability and adds comprehensive/collision, which covers damage to your own vehicle, regardless of who is at fault.

Full Coverage 

A full policy is any policy that carries liability, collision, and comprehensive coverage.

These three help pay for injuries and damages sustained by first and third parties in an accident you are responsible for. Collision coverage pays for damages due to collision-related incidents, e.g., vehicle and rollover collisions, whereas comprehensive pays for damages caused by damages not related to collisions, such as hail, flooding, theft, and falling tree limbs.

Policyholders may include other coverages such as uninsured/underinsured motorist coverage, roadside assistance, rental car reimbursement, personal injury protection (PIP), and medical payments (MedPay) coverage. Be sure to check with your state laws, as some states require one or more of these.

State Minimum Liability 

Almost all states require that you carry a liability-only policy with bodily injury and property damage.

These limits are expressed as three figures, e.g., “25/50/20”, which translates to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage.

Full coverage offers more protection than a liability-only policy. Full coverage policies include liability, collision, and comprehensive, which protects against a broader range of scenarios than liability-only, which benefits third parties. It may be worth the peace of mind for several hundred dollars more yearly.

Individual Factors That Influence Pricing for a Midsize SUV

Every auto insurance policyholder is assessed for premiums using many different variables to determine how much they will be charged.

Two of the most important factors include your age/experience and driving record.

Age/Experience and Driving Record

If you have no claims, at-fault accidents, moving violations, or other problematic issues, expect to receive the lowest premiums, particularly if you are in your 30s, 40s, and 50s. Naturally, premiums are highest for younger drivers (< 21) who lack experience and, as a group, tend to have a higher number of claims.

Coverage Selections

Remember, the lower your deductible, the less you will pay out of pocket for any claim, increasing premiums accordingly. Other policy adjustments to lower your premiums include lowering limits, participating in usage-based programs, and applying for your favorite discounts.

New York USA 2023-04-20 2006 GMC Envoy XL SLE – cheap car insurance

How Does a DUI Affect Car Insurance Rates?

Being convicted of a DUI has adverse effects on premiums, as well as having other consequences.

You can expect a significant rate increase, meaning double or triple what you pay now. 

After a first-time DUI conviction, expect to be reclassified as a high-risk driver with insurers feeling like you have an increased likelihood of being involved in the future claim. You may be required to file an SR-22, a certificate of financial responsibility that lets the state know you are carrying the required liability insurance coverage. Your DUI will be on file for several years (and maybe forever, depending on where you live). You will continue to pay higher premiums for several years.

In the worst of cases, your insurance company may even deny or outright reject your policy. From there, you may be forced to turn to a specialty provider specializing in high-risk drivers and cheap DUI solutions.

What Are Some Car Insurance Discounts?

If you want to lower your overall costs, we recommend enrolling in discount programs offered by your provider.

Two of the most well-known discounts include good driver and multi-policy discounts. Anyone engaged in responsible driving behavior with no claims, at-fault accidents, and other mishaps on the road can qualify for a safe driver discount, as long as one’s driving record remains clean for three to five years. Expect to get up to 20% off of your premium this way.

In turn, multi-policy discounts are loyalty discounts offered to policyholders who bonded multiple insurance policies under the same roof. For example, anyone who applies for auto, home insurance, boat, renters, and life insurance simultaneously can qualify (depending on the provider).

Other discounts worth considering include:

  • Paid in Full. If you decide to forgo monthly installments in exchange for paying your annual premium upfront, it’ll help. Opting for this allows insurers to lower administrative costs.
  • Anti-Theft. If you “thief-proof” your vehicle with an anti-theft device like a steering wheel lock or vehicle tracking system, providers may be willing to offer you a discount.
  • Defensive Driving Course. By brushing up on your cornering ability and ability to navigate treacherous roads, you’ll let providers know that you can be considered lower risk.

Note: this is not an all-inclusive list of all discounts available. To learn about discounts you’re eligible for, discuss it with your provider.

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What Are Some of the Characteristics of the GMC Envoy?

This is a vehicle in the midsize SUV segment, discontinued after the 2009 model year.

It comes in three trims: SLE, SLT and Denali.

Standard features on the GMC Envoy include satellite radio, dual-zone air conditioning, and keyless entry. Upgrading to the SLT ads power seats, Bluetooth, automatic climate control, and leather seats. Denali’s highest-level trim includes 18-inch alloy wheels and a Bose audio system.


Find the Best Car Insurance Rates Online for the GMC Envoy Today

If you are a GMC Envoy driver interested in a new, affordable policy, let Freeway Insurance show you the way.

Freeway Insurance makes it easy to get started. Make it an in-person visit to one of our locations, call 800-777-5620, or visit us online for a free quote. We look forward to hearing from you!

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