Save on 2014 GMC Savana Car Insurance Cost

Searching for the cheapest insurance rates for your GMC Savana? Locating the cheapest insurance for your GMC Savana could be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to price shop coverage for your GMC and find the lowest price.

It’s a good habit to get comparison quotes before your policy renews because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal for Savana coverage on your last policy a different company probably has better rates today. So just forget anything you know (or think you know) about insurance because you’re going to learn the fastest and easiest way to save money, get proper coverage and the best rates.

More discounts equal less premium

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • No Claims – Claim-free drivers pay much less when compared to frequent claim filers.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Savana coverage than drivers with accidents.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up to age 25.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of insurers with the best insurance coverage discounts, click here to view.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • What vehicles should carry emergency assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my teenager covered with friends in the car?
  • Is my babysitter covered when using my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Is my GMC Savana covered if I use it for business?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy additional glass protection?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

The insurance bait and switch

Drivers constantly see and hear ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. All the companies have a common claim about savings if you change to them.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. Any driver who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who are not a match for the requirements will be quoted a higher premium and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make those claims. This emphasizes why you absolutely need to get as many comparisons as possible. It’s impossible to know the company that will provide you with the cheapest GMC Savana insurance rates.

Car insurance coverage considerations

Understanding the coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, theft, fire damage and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.


This can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, structural damage, funeral expenses, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, funeral costs, dental work and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your GMC Savana.

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. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

One last thing about your coverage

Insureds switch companies for any number of reasons including unfair underwriting practices, questionable increases in premium, high rates after DUI convictions and not issuing a premium refund. Regardless of your reason, switching companies can be pretty painless.

We’ve covered quite a bit of information on how to lower your 2014 GMC Savana insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even find the lowest rates come from a small mutual company.

Lower-priced insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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