2004 GMC Savana Car Insurance Rates – 8 Ideas for Cheaper Quotes

Having to pay for pricey GMC Savana insurance can take a big chunk out of your family’s budget and make it tough to pay other bills. Doing a rate comparison is recommended to ensure you are getting the best deal.

Consumers have so many insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare company pricing.

It’s a great practice to do price comparisons before your next renewal because insurance rates trend upward over time. Even if you think you had the best rate on Savana insurance a couple years back a different company probably has better prices today. You can find a lot of misleading information regarding insurance online but in a few minutes you can learn some of the best ways to find affordable insurance.

The best way we recommend to compare rates takes advantage of the fact all the major auto insurance companies participate in a system to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as what your job is, whether your vehicle is owned or leased, level of coverage desired, and if a SR-22 is needed. That information is then submitted to all major companies and they return quotes almost instantly.

Find discounts on insurance

The cost of insuring your cars can be expensive, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specifically requested prior to getting the savings.

• No Claims – Good drivers with no accidents have much lower rates compared to insureds who have frequent claims or accidents.
• College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
• Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save a little on medical payment and PIP coverage.
• Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies permit an accident without raising rates with the catch being you have to be claim-free prior to the accident.
• Anti-theft Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
• Multiple Cars – Buying a policy with multiple cars or trucks on a single policy can get a discount for every vehicle.
• Home Ownership Discount – Just owning your own home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
• Military Deployment Discount – Being deployed in the military could mean lower prices.

Policy discounts save money, but most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance policy, it’s just not the way it works. Any amount of discount will cut your insurance premiums.

Larger insurance companies and the discounts they provide are:

• Geico has savings for seat belt use, anti-theft, driver training, five-year accident-free, multi-policy, air bags, and good student.
• MetLife may have discounts that include good student, defensive driver, multi-policy, good driver, and accident-free.
• State Farm offers discounts including anti-theft, good driver, defensive driving training, Steer Clear safe driver discount, student away at school, multiple autos, and accident-free.
• Progressive has discounts for good student, continuous coverage, homeowner, multi-vehicle, online signing, online quote discount, and multi-policy.
• Mercury Insurance discounts include good student, age of vehicle, annual mileage, ease of repair, and multi-car.
• 21st Century offers discounts for good student, teen driver, theft prevention, anti-lock brakes, and automatic seat belts.
• Allstate may offer discounts for good student, utility vehicle, farm vehicle, new car, defensive driver, anti-lock brakes, and senior citizen.

When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. A few discounts might not be offered in your state. To see insurance companies that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there is no best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Should I rate my 2004 GMC Savana as pleasure use or commute?
• Am I covered if I drive in a foreign country?
• How high should my medical payments coverage be?
• Does coverage extend to Mexico or Canada?
• Will I be non-renewed for getting a DUI or other conviction?
• How much underlying liability do I need for an umbrella policy?
• Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Collision insurance

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 coverage pays for claims such as crashing into a ditch, driving through your garage door, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like nursing services, surgery and funeral costs. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, legal defense fees, funeral expenses, loss of income and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your GMC Savana.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

One last thing

While you’re price shopping online, never sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to buy enough coverage at the best price and still be able to protect your assets.

More affordable auto insurance is definitely available both online and also from your neighborhood agents, so you need to shop insurance with both to get a complete price analysis. A few companies don’t offer rates over the internet and many times these small insurance companies provide coverage only through independent agencies.

More tips and info about auto insurance can be read by following these links:

• Teen Driving and Texting (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)