Lower Your 2009 GMC Savana Car Insurance Rates

Finding low-cost insurance for your GMC Savana can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find insurance online and we’ll show you the absolute fastest way to compare rates for a GMC and find the lowest price from both online companies and local agents.

If you are insured now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Pricing affordable car insurance coverage is not that difficult. Drivers only need an understanding of the best way to compare price quotes on the web.

Compare the Market for Insurance

Comparing insurance rates can be exhausting if you don’t utilize the easiest way. You could waste time talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

All the larger companies enroll in a system where prospective buyers submit their information once, and every company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each individual insurance company.

To compare pricing click here (opens in new window).

The only downside to doing it this way is you can’t choose the providers you want pricing from. So if you want to choose individual companies to request quotes from, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same deductibles and coverage limits on every quote you get. If you have different deductibles it’s impossible to determine which rate is truly the best.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be requested specifically before they will apply. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy qualifies for this discount.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Accident Waiver – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Own a Home – Being a homeowner can save you money because owning a home shows financial diligence.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Savana insurance than drivers with accident claims.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates on insurance coverage for Savana insurance.
  • Defensive Driver – Taking part in a defensive driving course could save 5% or more depending on where you live.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut your overall premium however.

To see a list of providers who offer insurance coverage discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • Do I need added coverage for expensive stereo equipment?
  • Should I carry comprehensive and collision coverage?
  • Why do I only qualify for high-risk insurance?
  • What discounts do I qualify for?
  • How do I file an SR-22 for a DUI in my state?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to 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. It’s fast, free and can help protect your family.

The coverage is in the details

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability insurance will cover damage or injury you incur to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, loss of income and medical services. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft, hitting a bird, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, rehabilitation expenses, X-ray expenses, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision coverage pays for things like colliding with a tree, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Savana.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.