Lower Your 2013 GMC Savana Cargo Insurance Cost

Want cheaper car insurance rates for your GMC Savana Cargo? No car owner loves paying for car insurance, especially when the prices are way too high.

Since you have so many insurance companies to choose from, it is very difficult to find the cheapest insurer.

The quickest way to compare car insurance rates is to know the trick almost all companies provide online access to compare their rates. To start a quote, the only thing you need to do is give them rating details such as any included safety features, whether your vehicle is owned or leased, an estimate of your credit level, and if you are currently licensed. That rating data is instantly provided to insurance carriers in your area and you get price estimates quickly.

Special considerations

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether your personal situation may require specific advice.

  • Is my GMC Savana Cargo covered if I use it for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I sign the liability waiver when renting a car?
  • What is an SR-22 filing?
  • When would I need rental car insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Parts of your auto insurance policy

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Collision insurance

This coverage pays for damage to your Savana Cargo from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, theft, damage from getting keyed and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.