1998 GMC Savana Insurance Quotes – 5 Discounts for Cheaper Rates

I doubt anyone looks forward to paying premiums for auto insurance, especially when they know their premiums are through the roof. Many insurers vie for your business, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price

How to compare car insurance price quotes

There are multiple methods you can shop for car insurance but one way is less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quoting for quick rates.

Many insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click here to start a free quote.

The one downside to using this type of system is you cannot specify which carriers to receive prices from. So if you want to choose specific insurance companies to compare, we have assembled a list of low cost car insurance companies in your area. Click to view list.

However you get your quotes, make sure you use nearly identical coverage limits and deductibles for each price quote. If the quotes have different coverage information it will be next to impossible to find the best deal for your GMC Savana.

Five discounts for cheaper auto insurance quotes

Companies that sell car insurance do not list every discount in a way that’s easy to find, so the list below gives a summary of both the well known and also the more inconspicuous ways to save on auto insurance. If you’re not getting every credit you deserve, you could be saving more on your auto insurance.

• Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower premium rates on the low mileage vehicles.
• Driver Training Discounts – Participating in a driver safety course could possibly earn you a 5% discount and make you a better driver.
• Government Employees – Having worked for a branch of the government can save as much as 8% for Savana coverage depending on your auto insurance provider.
• Accident Forgiveness Coverage – but some companies like State Farm and Progressive will allow you to have one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will cut your policy cost.

Some of the insurance companies who may offer most of these discounts may include but are not limited to:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

If you are trying to find affordable insurance coverage quotes, ask all companies you are considering which discounts you may be entitled to. Some credits might not be offered on policies in every state. If you would like to view companies that offer the discounts shown above, click here.

You may need specialized car insurance coverage

When it comes to buying coverage, there is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

• Does coverage extend to my business vehicle?
• Is my trailer covered?
• How do I buy GAP insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Do all my vehicles need collision coverage?
• Am I covered when driving on a suspended license?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

But they said I’d save $486 a year!

Drivers can’t escape the ads that claim the best auto insurance rates by State Farm, Allstate and Geico. They all convey the message that people will save if you change your car insurance policy to them.

But how can every company offer drivers better rates? Just pay attention to how they say it.

Insurance providers quote their cheapest rates for the right customer that earns them a profit. An example of this type of risk profile might be described as between the ages of 40 and 55, owns their home, and drives a vehicle with a low ISO rating. A customer getting a price quote that fits those parameters receive the lowest rate quotes as well as save when they switch companies.

People who don’t meet the requirements will have to pay higher premium rates which usually ends up with the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can confidently make those claims.

That is why you should get a wide range of price quotes. It is just not possible to predict which car insurance company will have the lowest rates.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Liability insurance – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, pain and suffering and loss of income. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your GMC Savana.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, theft, falling objects, a tree branch falling on your vehicle and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – Collision insurance will pay to fix damage to your Savana resulting from a collision 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 insurance covers things such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses like rehabilitation expenses, nursing services, surgery, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

A little work can save a LOT of money

When you buy insurance coverage online, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped full coverage and discovered at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Some companies may not have the ability to get a quote online smaller companies prefer to sell through independent insurance agents. More affordable insurance coverage is possible from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture.

We just covered many ways to reduce 1998 GMC Savana insurance car insurance rates online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with some of the smallest insurance companies. They may only write in your state and offer lower premium rates than their larger competitors like Allstate and Progressive.

Additional information is available at the links below

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• State Car Insurance Guides (Geico)