Lower Your 2016 GMC Savana Car Insurance Cost

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Don’t sweat it because many drivers have buyer’s remorse. Vehicle owners have multiple insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more difficult to find the lowest rates.

Compare auto insurance quotes online

There are a variety of methods to shop for auto insurance, but one way is more efficient than others. You can waste a lot of time talking to local insurance agents in your area, or you could save time and use online quoting to maximize your effort.

All the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company can give them a price based on that data. This system prevents you from having to do quotation requests for every auto insurance company.

To submit your quote information now, click here to start a free quote.

The one downside to using this type of form is you don’t know exactly the providers you will receive quotes from. So if you prefer to pick specific providers to compare prices, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use apples-to-apples information for every company. If each company quotes different data it will be impossible to determine the best price for your GMC Savana.

Verify you’re applying every discount

Auto insurance companies don’t always list all their discounts in an easy-to-find place, so the below list has some of the more common and also the more inconspicuous insurance savings.

  • Good Grades Discount – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for better insurance rates for Savana coverage.
  • Lower Rates for Military – Having a deployed family member may lower your premium rates slightly.
  • Discounts for New Vehicles – Insuring a new car can save you some money because newer vehicles keep occupants safer.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles with one company can get a discount on all vehicles.
  • One Accident Forgiven – This one isn’t a discount, but some companies like State Farm and Progressive may permit one accident before they charge you more for coverage if your claims history is clear before the accident.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Renewal Discounts – A few insurance companies allow discounts for switching companies prior to your current policy expiring. Ten percent is about the average savings.

We need to note that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

To choose insurance companies that offer many of these discounts, follow this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • When would I need rental car insurance?
  • How much underlying liability do I need for an umbrella policy?
  • How can I find cheaper teen driver insurance?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Why informed consumers pay less for GMC Savana insurance

An important part of buying insurance is that you know the factors that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables you to make decisions that can help you get lower auto insurance prices. Many things are part of the equation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other factors are less apparent such as your credit history or your financial responsibility.

  • GPS tracking and theft deterrents lowers auto insurance rates – Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder car theft.
  • Single drivers take more risk – Having a wife or husband may save some money compared to being single. It generally demonstrates drivers are more mature and insurance companies reward insureds because being married results in fewer claims.
  • Teen drivers pay more – Youthful drivers are proven to be easily distracted behind the wheel so they pay higher auto insurance rates. More mature drivers tend to be more responsible, file fewer claims , and are generally more financially stable.
  • Safer occupants lowers prices – Cars with high safety ratings tend to have lower insurance rates. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
  • Lower rates with continuous auto insurance coverage – Not having insurance is illegal and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage could result in a revoked license or a big fine.
  • Do you really need roadside assistance? – Policies have extra bells and whistles that sound like a good idea at the time on your Savana policy. Insurance for rental car reimbursement, towing coverage, and Farm Bureau memberships are some examples. They may seem like a good idea when discussing your needs, but if they’re wasting money eliminate them to save money.
  • Urban areas may pay more – Having an address in smaller towns and rural areas of the country has it’s advantages when talking about auto insurance. People in densly populated areas regularly have much more traffic and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates.
  • Multiple policies with one company – Lots of auto insurance companies will give a discount to policyholders that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare other company rates to confirm you are receiving the best rates possible.

The insurance coverage bait and switch

Consumers can’t escape the ads for cheaper insurance coverage by companies like 21st Century, Allstate and State Farm. They all seem to make the point that people will save if you get a free insurance coverage quote and switch to their company.

That’s great but how can every company give you a better price? This is how they do it.

Many companies quote the lowest rates for the type of driver that will be a good risk. For example, this type of driver might have to be over the age of 35, has no prior claims, and drives less than 7,500 miles a year. A driver who fits those characteristics will probably get the lowest prices and will cut their rates substantially.

Insureds who are not a match for those standards will be charged a higher rate with the end result being the customer not buying. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” will save that much if they switch. This is how companies can make claims like that. This emphasizes why you really need to do a rate comparison at every renewal. It is impossible to guess which company will have the lowest rate quotes.

Insurance coverage specifics

Having a good grasp of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision protection

Collision insurance covers damage to your Savana resulting 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 like hitting a parking meter, rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hail damage and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance will cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects, loss of income, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like funeral costs, surgery, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your GMC Savana.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

And the best car insurance company is…

When getting insurance coverage quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at an affordable rate.

Some insurance companies don’t offer online quoting and usually these regional carriers only sell through local independent agents. Budget-conscious 2016 GMC Savana insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Additional car insurance information can be found on the following sites: