Compare 1998 GMC Savana Car Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me when I say you’re not alone.

Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute best rates possible.

Take advantage of discounts

Auto insurance companies don’t list all their discounts very well, so we researched both the well known and also the lesser-known insurance coverage savings.

  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your GMC could qualify for lower rates on the low mileage vehicles.
  • Student in College – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.
  • Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers with the best insurance coverage discounts, follow this link.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine if you would benefit from professional advice.

  • What if I total my 1998 GMC Savana and owe more than it’s worth?
  • Does my insurance cover my expensive audio equipment?
  • Which companies will insure high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are all vehicle passengers covered by medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • When should I remove comp and collision on my 1998 GMC Savana?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Do drivers who switch really save $448 a year?

Insurance providers like Geico, State Farm and Progressive continually stream television and radio advertisements. They all say the same thing that you can save after switching your policy. But how can every company make the same claim?

All the different companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer could possibly be between 30 and 50, has no driving citations, and has a high credit rating. Any new insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can claim big savings. This emphasizes why it’s extremely important to get as many quotes as possible. It’s impossible to know which insurance company will provide you with the cheapest GMC Savana insurance rates.

Coverages available on your insurance policy

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1998 GMC Savana.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverage – Liability coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical expenses, loss of income, funeral expenses, court costs and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage – This coverage pays for damage to your Savana caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like rehabilitation expenses, ambulance fees and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a money saver!

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

In this article, we covered a lot of tips how to shop for 1998 GMC Savana insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Affordable insurance can be sourced on the web and also from your neighborhood agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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