1996 GMC Savana Insurance Cost – 5 Tips for Best Prices

Searching for better insurance coverage rates for your GMC Savana? Paying for high-priced GMC Savana insurance can consume your funds and put the squeeze on your family’s finances. Shopping your coverage around is an excellent way to slash your bill and have more diposable income.

Due to the abundance of insurance providers from which to choose, it can be challenging to choose the lowest cost insurance coverage company.

Consumers should take time to get comparison quotes yearly since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates for Savana coverage a few years ago you may be paying too much now. Ignore everything you know about insurance coverage because I’m going to teach you the fastest and easiest way to save on insurance coverage.

The best way we recommend to compare policy rates utilizes the fact most larger insurance companies provide online access to give rate comparisons. All consumers are required to do is spend a couple of minutes providing details like how much school you completed, if it has an anti-theft system, distance driven, and how you use your vehicles. Your insurance information gets sent immediately to all major companies and you will get price comparisons within a short period of time.

To compare rates for your car now, click here and complete the quick form.

Cheaper rates with these five auto insurance discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not know about. Certain discounts will be applied when you purchase, but some need to be manually applied prior to receiving the credit.

  • Renewal Discounts – Some larger companies reward drivers for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Savana coverage.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Telematics Discount – Policyholders that allow data collection to scrutinize driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.

Consumers should know that some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, you won’t be that lucky.

To locate auto insurance companies with the best auto insurance discounts, follow this link.

Insurance can get complicated

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

  • Do I pay less for low miles?
  • How much liability insurance is required?
  • Can my babysitter drive my car?
  • When should I not file a claim?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Advertising myths

Companies like State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. All the ads seem to make the promise about savings just by moving your coverage. But how can every company have lower policy pricing? This is the trick they use.

Insurance companies have an ideal profile for the right customer that earns them a profit. A good example of this type of insured might have to be a mature driver, has never had a policy lapse, and drives a lower-performance vehicle. A customer getting a price quote that matches those criteria will most likely get cheap prices and have a good chance to cut their rates if they switch.

Insureds who may not quite match those criteria will get a higher rate with the end result being the customer not buying. If you listen closely, the ads state “people who switch” not “everybody who quotes” will save that much if they switch. That’s why companies can truthfully lure you into getting a quote. Because of this risk profiling, drivers must compare price quotes frequently. It’s not possible to predict which company will be your best fit.

Information about specific coverages

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Liability auto insurance

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, attorney fees, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, prosthetic devices, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your GMC Savana.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, rock chips in glass, falling objects, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The bottom line

When buying insurance coverage, you should never buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price.

We just showed you a lot of information how to reduce 1996 GMC Savana insurance rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as GEICO and State Farm.

Much more information about auto insurance is available below:

Comments About 1996 GMC Savana Insurance

  1. Lorilee Pope

    Great info, thanks for posting. I’m just east of Los Angeles, CA. Compared rates from a lot of places. Saved about $20 a month. Progressive was the most affordable for me. Was with Amica. :P Not worth enough to pay for comprehensive and collision.

  2. Errol Carroll

    Not sure what I should be paying. Located in Provo, Utah. I got free quotes from GEICO, Liberty Mutual, and Erie for my GMC and saved around $100 a year. Even increased my liability limits. I got prices on the web.

  3. Kandra Moreno

    Does Allstate use ACV or replacement cost?

  4. Evangelina Anthony

    If you’re around Shreveport, LA try State Farm and GEICO and see which is cheaper.

  5. Carie Chambers

    Not sure if this is cheap. Located in Los Angeles, California. Got quotes from AIG Insurance, Eastwood, and MetLife for my Savana and cut my rates about $70 a year. I even had a DUI years ago.

  6. Jeffry Parrish

    I can’t pay high rates. From south side of Raleigh, NC. Quoted prices online for a 1996 GMC Savana. Ended up at about $70 savings annually. Went with GEICO. Was with The General.

  7. Shirl Perkins

    Is State Farm or Esurance cheap in Spokane, WA?

  8. Denisha Donaldson

    Mine is so expensive. I’m just west of Allentown, PA. I got free quotes with Amica, Erie, and Nationwide for my GMC and saved $81 a year. Have an at-fault accident tho. I dropped full coverage awhile back.