1999 GMC Savana Insurance Rates – 10 Tricks for Cheaper Quotes

Trying to find lower car insurance rates for your GMC Savana? Wish you could get out of an overpriced car insurance policy? Don’t feel bad because you’re not alone.

Companies like Progressive, State Farm and Geico increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

Smart consumers take time to get comparison quotes periodically since insurance rates change quite often. Even if you got the lowest premium rates for Savana insurance a few years ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

The easiest way to compare rate quotes takes advantage of the fact most larger insurance companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details like the ages of drivers, if your license is active, what you do for a living, and if it has an alarm system. That rating data is then sent to many highly-rated insurers and you should receive rate quotes almost instantly.

To start a quote now, click here and enter the information requested.

Ten discounts to earn affordable insurance coverage rates

Some insurers don’t necessarily list every policy discount very clearly, so the list below contains some of the best known as well as the least known credits available to you.

• Home Ownership Discount – Just being a homeowner can save you money because it means you have a higher level of financial diligence.
• Multiple Cars – Buying coverage for primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• Memberships – Having an affiliation with a qualifying organization can get you a small discount when shopping for insurance coverage.
• Early Renewal Discounts – A few companies give discounts for renewing your policy before your current coverage expires. You can save around 10% with this discount.
• Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free for a set time period.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts up to 30%.
• Defensive Driver Discounts – Successfully completing a driver safety class could save 5% or more if your company offers it.
• Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in school.
• Military Rewards – Being on active duty in the military could trigger a small discount.
• Drive Less and Save – Fewer annual miles on your GMC may enable drivers to earn slightly better premium rates than normal.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free insurance coverage policy, it just doesn’t work that way.

Popular insurance coverage companies and some of their more popular discounts are shown below.

• Farmers Insurance offers premium reductions for teen driver, pay in full, good student, switch companies, electronic funds transfer, homeowner, and mature driver.
• State Farm has discounts for safe vehicle, student away at school, accident-free, defensive driving training, driver’s education, and passive restraint.
• Liberty Mutual may offer discounts for multi-policy, hybrid vehicle, multi-car, safety features, preferred payment discount, and new move discount.
• MetLife policyholders can earn discounts including defensive driver, good driver, claim-free, multi-policy, good student, and accident-free.
• Progressive has savings for continuous coverage, multi-vehicle, homeowner, online quote discount, good student, online signing, and multi-policy.

When comparing rates, check with all companies you are considering which discounts you qualify for. Some discounts listed above might not be offered in your area.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover if you may require specific advice.

• When should I not file a claim?
• What is UM/UIM insurance?
• Does my insurance cover a custom paint job?
• Am I getting all the discounts available?
• Am I covered when driving on a suspended license?
• At what point should I drop full coverage?
• What is PIP insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1999 GMC Savana.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle, hitting a deer, theft and falling objects. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, nursing services, ambulance fees, chiropractic care and funeral costs. They are used in conjunction with a health insurance plan 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 only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance

This coverage provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, medical expenses, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

In conclusion

A few companies do not offer online quoting small insurance companies only sell through local independent agents. Budget-conscious 1999 GMC Savana insurance can be purchased both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis.

In this article, we covered a lot of ways to lower your 1999 GMC Savana insurance premium rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a lesser-known regional company. They can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an insured dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.

To learn more, take a look at these articles:

• Anti-Lock Brake FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)