2008 GMC Savana Cargo Car Insurance Quotes – 10 Policy Discounts

Want better insurance coverage rates for your GMC Savana Cargo? Trying to find better insurance prices for a GMC Savana Cargo can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are both good and bad ways to shop for insurance coverage and you need to know the proper way to get price quotes for your GMC and obtain the cheapest rates either online or from local insurance agents.

It’s a good habit to do rate comparisons occasionally because insurance prices tend to go up over time. Just because you had the best rate on Savana Cargo insurance on your last policy a different company probably has better premium rates today. You can find a lot of misleading information regarding insurance coverage online but I’m going to show you some great ways to put money back in your pocket.

Save money by taking advantage of these ten discounts

Companies do not list every policy discount in a way that’s easy to find, so we break down both the well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

  • Defensive Driving Course – Taking a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction on Savana Cargo insurance depending on your car insurance provider.
  • Save with a New Car – Adding a new car to your policy can get you a discount since new model year vehicles have better safety ratings.
  • E-sign Discounts</strong – A handful of car insurance companies may give you up to $50 shop insurance coverage on the web.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
  • Cautious Drivers – Drivers without accidents can pay as much as 50% less on Savana Cargo insurance than their less cautious counterparts.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • More Vehicles More Savings – Buying coverage for all your vehicles on one policy can get a discount for every vehicle.
  • Driving Data Discount – Drivers who agree to allow their car insurance company to study driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if they are good drivers.

Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm has savings for student away at school, driver’s education, multiple policy, accident-free, and passive restraint.
  • Progressive may have discounts that include homeowner, continuous coverage, good student, multi-vehicle, online quote discount, and online signing.
  • Progressive policyholders can earn discounts including multi-policy, online signing, good student, continuous coverage, homeowner, and online quote discount.
  • MetLife may offer discounts for multi-policy, defensive driver, good student, accident-free, good driver, and claim-free.
  • Farm Bureau discounts include driver training, renewal discount, multi-policy, youthful driver, and good student.
  • Geico offers discounts for membership and employees, multi-policy, good student, anti-theft, military active duty, and driver training.
  • SAFECO includes discounts for drive less, multi-car, teen safe driver, accident prevention training, anti-lock brakes, teen safety rewards, and homeowner.

Before buying, ask every company which discounts you qualify for. All car insurance discounts might not be offered in your area. To view car insurance companies who offer online car insurance quotes, click this link.

How to compare auto insurance quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You can spend your afternoon driving to insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company can provide price quotes determined by their information. This prevents consumers from doing form submissions to every company. To find out how much you’re overpaying now click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage information for each quote you get. If you use unequal deductibles or liability limits you will not be able to get a fair rate comparison.

How much car insurance do I need?

When buying the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions can help discover if your insurance needs may require specific advice.

  • How high should my medical payments coverage be?
  • Am I better off with higher deductibles on my 2008 GMC Savana Cargo?
  • What if I total my 2008 GMC Savana Cargo and owe more than it’s worth?
  • Is my custom paint covered by insurance?
  • Does medical payments coverage apply to all occupants?
  • What is UM/UIM insurance?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments – Med pay and PIP coverage kick in for bills like pain medications, doctor visits, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance can cover damage that occurs to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, 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 limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, medical services, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Smart shoppers get results

As you quote insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that it was a big error on their part. The aim is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

The cheapest 2008 GMC Savana Cargo insurance can be purchased on the web in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best rate selection. A few companies do not provide online rate quotes and these small, regional companies provide coverage only through independent insurance agents.

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, being labeled a high risk driver and policy non-renewal. Regardless of your reason, finding a great new company can be easier than you think.

More tips and info about auto insurance can be read in the articles below:

Comments About 2008 GMC Savana Cargo Insurance

  1. Dewayne Barker

    I’m in New Haven, CT and need high risk coverage. Help!

  2. Larry Brewer

    I’m in the suburbs of Juneau, AK. Quoted a bunch of companies. Saved darn near $40 a month. State Farm was the most affordable for me. Was with State Farm. It never hurts to quote around.

  3. Petra Horne

    Can you buy custom paint coverage for a 2008 GMC Savana Cargo?

  4. Alethia Hartman

    Enjoyed the article. I’m from Chesapeake, Virginia. I got free quotes from GMAC, AIG Insurance, Mercury, and a couple others for my GMC and saved about $540 a year. Was with AIG Insurance.

  5. Stefan Blankenship

    Will 21st Century do a SR22 in Eugene, OR?

  6. Ashleigh Schultz

    If you have a clean record and live near Springfield, MO, check out 21st Century. You might save some money. BTW speeding tickets are not good. Are quotes cheaper online?

  7. Estella Odonnell

    If you don’t have tickets and live around Springfield, MO, check out 21st Century. They seem to be cheaper. I have kids on my policy, too.

  8. Trudi Wheeler

    Good site, thanks. I live in South Burlington, VT. I got free quotes with Safeco, Esurance, Allstate, and AAA for my 2008 GMC Savana Cargo and cut my rates about $430 a year. Was with Hartford.

  9. Buck Sawyer

    From Salem, OR. Quoted with Western Auto Insurance, Amica, GMAC, and MetLife for my Savana Cargo and I’m now saving $47 a month. Insured with Esurance before. I get lower rates because of my clean driving record.

  10. Bobby Mcdaniel

    Thought I’d throw in my experience. Quoted with Allstate for my Savana Cargo and saved about $540 a year. I’m a pretty good driver though.

  11. Patricia Frye

    I’ve insured with State Farm for a long time. Pretty cheap in Overland Park, Kansas.

  12. Marline Rosa

    It’s all a rip off. I’m in the north part of Tacoma, WA. I got free prices from American Family, MetLife, and a few others for my Savana Cargo and I’m now saving $43 a month. Was with GMAC. It’s easy to compare rates online now.

  13. Dora Wallace

    Lots of useful info here. Checking in from Boise, Idaho. Quoted prices from GEICO, AAA, and some I forget for my Savana Cargo and saved just over $310 a year. My new agent seems to be really good. :)