1996 GMC Savana Insurance Quotes – 8 Tips for Cheapest Rates

Have you fallen victim to an overpriced insurance policy? Believe me, there are lots of people in the same boat. Because you have many options when it comes to insurance, it can be impossible to find the right company.

It is always a good idea to do rate comparisons before your policy renews because prices are constantly changing. Even if you got the best deal on Savana coverage last year there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about insurance because I’m going to teach you the right way to find lower rates on insurance.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you will be able to save some money using this strategy. Drivers just need to understand the proper way to get comparison rates online.

Do you qualify for these eight discounts?

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Savana coverage than drivers with accident claims.
  • Student in College – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Sign Online – Certain companies may give you up to $50 just for signing your application online.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Memberships – Participating in a civic or occupational organization may earn a discount on your policy on Savana coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of up to 25% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

To see a list of companies offering auto insurance discounts, click here.

Don’t assume everyone needs the same coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • When should my teen driver be added to my policy?
  • Is my state a no-fault state?
  • Do I need medical payments coverage since I have good health insurance?
  • What happens if I owe more than my 1996 GMC Savana is worth?
  • Is upholstery damage covered by car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance coverage ads bend the truth

Drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Geico and Progressive. All the companies make an identical promise that you can save after switching your policy.

How do they all say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get very good rates and therefore will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile must pay higher rates and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully make the claims of big savings. This illustrates why drivers should quote coverage with many companies. It is impossible to predict which insurance companies will provide you with the cheapest GMC Savana insurance rates.

Auto insurance coverage considerations

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hitting a deer, rock chips in glass and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Savana caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, hitting a parking meter, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, structural damage, repair bills for other people’s vehicles, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Savana.

Since many 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 should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for hospital visits, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

And the best car insurance company is…

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of tips how to reduce 1996 GMC Savana insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from a small mutual company. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Additional insurance coverage information is available at these links: