Cheap 2013 GMC Savana Car Insurance Rates

Perplexed by the crazy number of insurance choices? You’re not alone. There are so many options that it can be a lot of work to find lower rates.

Comprehensive Insurance Comparison

Comparing insurance rates is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Many of the larger companies participate in a marketplace that enables customers to submit one quote, and at least one company returns a rated price for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The single downside to pricing coverage this way is you cannot specify the companies you want to price. So if you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using exactly the same coverage information on every quote. If you are comparing different limits and deductibles on each one you can’t possibly make a fair comparison for your GMC Savana. Quoting even small variations in coverages can result in a big premium difference. And when comparing insurance rates, know that more quotes will improve the odds of getting better pricing.

Drivers who switch save $446 a year? Really?

Car insurance providers like Allstate, Geico and Progressive regularly use television and radio advertisements. They all have a common claim that you’ll save big if you move your policy. How does each company make almost identical claims?

All the different companies can use profiling for the type of driver they prefer to insure. For example, a desirable insured could be over the age of 50, is a homeowner, and has great credit. A customer who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.

Consumers who do not match the requirements will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save money. That is how companies can truthfully advertise the savings. Because of the profiling, it’s extremely important to get quotes from several different companies. You cannot predict which company will give you the biggest savings on GMC Savana insurance.

Discounts are basically free money

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving.

  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Multiple Vehicles – Having multiple vehicles with the same company can get a discount on all vehicles.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Drivers Education – Have your child take driver’s ed class if it’s offered in school.
  • No Claims – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Student in College – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

A partial list of companies that may offer these benefits may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Which insurance is the “right” coverage?

When choosing adequate coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy full coverage?
  • What is medical payments coverage?
  • What is no-fault insurance?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your policy

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as doctor visits, funeral costs, surgery, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability coverages

This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hitting a deer, theft, vandalism and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance pays for damage to your Savana resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Shop Smart and Save

We just presented a lot of information how to compare 2013 GMC Savana insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small mutual company.

Drivers switch companies for any number of reasons including unfair underwriting practices, denial of a claim, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price.

More detailed insurance information is located in the articles below: