Compare 2014 GMC Savana Insurance Quotes

Do you think you bought overpriced insurance? Don’t feel bad because there are lots of people in the same boat. Companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Buying car insurance is not rocket science. Vehicle owners just need to understand the most efficient way to find the lowest price over the internet.

How to find affordable insurance

Comparing insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Most of the best insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company can provide price quotes based on that data. This prevents consumers from doing quote requests to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to doing it this way is you cannot specify the companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have a listing of insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but compare apples-to-apples coverages and limits with every price quote. If you enter differing limits you can’t possibly make an equal comparison.

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Insurance policy discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. A few discounts will be applied when you quote, but a few need to be asked about before you will receive the discount.

• Anti-theft System – Cars with anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
• Organization Discounts – Belonging to a qualifying organization is a good way to get lower rates on your policy.
• Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less for Savana insurance compared to accident prone drivers.
• Save over 55 – Mature drivers can get a small decrease in premiums for Savana insurance.
• No Claims – Drivers with accident-free driving histories can earn big discounts in comparison with accident-prone drivers.
• Life Insurance Discount – Insurance carriers who offer life insurance give a small discount if you purchase some life insurance too.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save a little on the medical payments or PIP coverage costs.
• Multiple Policy Discount – If you have multiple policies with one company you will save as much as 10 to 15 percent.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.

You can save money using discounts, but many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and a partial list of their discounts are included below.

• 21st Century offers discounts for theft prevention, student driver, good student, teen driver, and automatic seat belts.
• Progressive may have discounts that include continuous coverage, online quote discount, multi-vehicle, good student, online signing, and multi-policy.
• State Farm may offer discounts for accident-free, good student, anti-theft, student away at school, and driver’s education.
• Nationwide may include discounts for business or organization, anti-theft, defensive driving, accident-free, and good student.
• Esurance policyholders can earn discounts including Switch & Save, online quote, renters, anti-theft, safety device, and multi-policy.
• The Hartford has discounts for vehicle fuel type, air bag, anti-theft, defensive driver, and driver training.

Check with each company what discounts are available to you. Discounts might not be available to policyholders in your area. To locate insurance companies who offer cheap insurance quotes, follow this link.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether or not you might need professional guidance.

• Do I need medical payments coverage since I have good health insurance?
• Should I buy additional glass protection?
• When should I not file a claim?
• Does having multiple vehicles earn me a discount?
• How much underlying liability do I need for an umbrella policy?
• Is business property covered if stolen from my car?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered when using my vehicle for business?
• Do I really need UM/UIM coverage?

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. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

GMC Savana insurance rate factors

Multiple criteria are used when premium rates are determined. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent such as whether you are married or your vehicle rating.

The factors shown below are a few of the “ingredients” used by insurance companies to determine premiums.

• High credit rating translates to low costs – An insured’s credit history can be a huge factor in determining what you pay for car insurance. Insureds with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. So if your credit is lower than you’d like, you may save money insuring your 2014 GMC Savana by improving your credit score.
• Driving citations increase prices – Whether or not you get tickets has a big impact on rates. Careful drivers pay less for auto insurance than people who have multiple driving citations. Having a single driving citation could increase your next policy renewal by as much as twenty percent. People who have severe violations such as DUI or reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to keep their license.
• Don’t skimp on liability coverage – Liability coverage kicks in in the event that you are ruled to be at fault for an accident. It provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• More people means more accidents – Being located in smaller towns and rural areas of the country is a good thing when talking about car insurance. People in densly populated areas regularly have more road rage incidents and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates in addition to fewer liability claims.
• Car insurance rates may be lower depending on your occupation – Careers such as military personnel, architects and stock brokers generally pay higher rates than the rest of us because of high stress levels and long work days. Other occupations such as professors, engineers and performers have lower than average premiums for Savana insurance.
• Being married can save on car insurance – Being married actually saves money on your car insurance policy. Marriage translates into being more financially stable and statistics show drivers who are married file infrequent claims.
• Cheaper to insure women? – Over the last 50 years, statistics have shown females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but males cause more damage. Not only that, but men also receive more major tickets like reckless driving and DUI. Youthful male drivers are the most expensive to insure so it costs more to insure them.
• Car insurance policy lapses increase premiums – Not maintaining insurance is a big no-no and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, failure to provide proof of insurance could earn you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

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Switch companies and save? Really?

Consumers get pounded daily by advertisements that claim the best premium rates from companies such as State Farm, Allstate and Geico. All the companies seem to make the promise that people will save after switching your car insurance policy to them.

How can each company save you money? Just pay attention to how they say it.

Many companies have a certain “appetite” for the type of customer that earns them the highest profit. One example of a driver they prefer should be over the age of 35, insures multiple vehicles, and has a short commute. A propective insured who meets those qualifications receive the lowest rate quotes as well as pay quite a bit less when switching companies.

Potential insureds who cannot meet the ideal profile must pay a higher rate which usually ends up with business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can advertise the way they do.

Different companies use different criteria so drivers should do a price quote comparison at every renewal. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Coverages available on your policy

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

Collision protection

Collision coverage will pay to fix damage to your Savana caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your GMC Savana.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Quote more. Save more.

Cost effective 2014 GMC Savana insurance is possible from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not have price quotes online and these regional insurance providers only sell through independent agents.

We covered a lot of techniques to get a better price on 2014 GMC Savana insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a lesser-known regional company. Regional companies can often provide lower prices in certain areas compared to the large companies like Allstate or State Farm.

Other resources

• Insuring a Leased Car (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Understanding your Policy (NAIC.org)
• Auto Insurance 101 (About.com)

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