Lower Your 2014 GMC Savana Insurance Rates

Searching for lower car insurance rates for your GMC Savana? Did budget coverage turn out to be an overpriced car insurance policy? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their car insurance policy. Because there are so many insurance companies to choose from, it is very difficult to pick the right car insurance provider.

Pricing affordable auto insurance is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use this information to find better prices while maximizing coverage. Drivers just need to learn the most efficient way to get comparison quotes over the internet.

Learn how to buy car insurance cheaper

Many things are part of the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are more transparent like your continuous coverage or your commute time.Consumers need to have an understanding of the different types of things that are used to determine your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates.

The itemized list below are some of the factors used by companies to determine your rate level.

• Infrequent drivers can save – The more miles you rack up on your GMC every year the more you will pay for car insurance. Many insurance companies rate vehicles based on how the vehicle is used. Cars that do not get driven very much cost less to insure than those used for commuting. A policy that improperly rates your Savana is just wasting money. Ask your agent if your vehicle rating is showing the correct driver usage.
• Responsible credit scores equal low premiums – Having a bad credit history is likely to be a major factor in determining your rates. If your credit score is lower than you’d like, you could be paying less to insure your 2014 GMC Savana by repairing your credit. People with excellent credit tend to file fewer claims than drivers who have lower credit scores.
• Claim-free discounts can add up – If you tend to file frequent claims, you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies generally give most affordable rates to insureds who do not file claims often. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Safer cars cost less to insure – Vehicles with good safety scores tend to have lower insurance rates. The safest vehicles reduce injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your GMC is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Traffic violations increase premiums – Your driving citation history impacts your car insurance rates tremendously. Even one driving citation can bump up the cost by twenty percent. Good drivers get better rates as compared to those with violations. Drivers who have multiple violations like DUI or reckless driving might be required by their state to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
• Always have car insurance – Allowing your car insurance policy to lapse will be a sure-fire way to increase your rates. Not only will rates go up, failure to provide proof of insurance may result in a revoked license or a big fine.

How to compare free insurance price quotes

Getting low cost 2014 GMC Savana insurance pricing is not rocket science. All you need to do is spend a few minutes on the computer comparing price quotes from some recommended companies. Shoppers can get rates in several different ways.

1. If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing repetitive form submissions to each individual insurance company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies.
2. A slightly less efficient method to analyze rates is spending the time to visit the website of each company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to get rates from USAA, Farmers and Liberty Mutual. To find out each rate you need to go to each individual site and enter your policy data, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure to compare apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing higher or lower deductibles you can’t possibly determine which company has the best rates.

Discounts to earn cheaper car insurance rates

Some insurers don’t always advertise all their discounts very clearly, so the list below gives a summary of both the well known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online. If you do not check that you are getting every discount available, you could be paying more than you need to.

• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off PIP or medical payments premium.
• Good Students Pay Less – Getting good grades may save you up to 25%. Many companies even apply the discount to college students until age 25.
• Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.
• Save with a New Car – Adding a new car to your policy can be considerably cheaper since newer models are generally safer.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

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

• Progressive has discounts for continuous coverage, homeowner, good student, multi-vehicle, online quote discount, and multi-policy.
• Farmers Insurance policyholders can earn discounts including bundle discounts, teen driver, mature driver, distant student, and switch companies.
• Farm Bureau discounts include renewal discount, 55 and retired, good student, multi-policy, multi-vehicle, youthful driver, and safe driver.
• State Farm has savings for Steer Clear safe driver discount, multiple autos, anti-theft, good driver, and multiple policy.
• Geico includes discounts for military active duty, anti-theft, driver training, anti-lock brakes, membership and employees, daytime running lights, and multi-policy.
• SAFECO may include discounts for bundle discounts, anti-lock brakes, safe driver, teen safe driver, multi-car, anti-theft, and drive less.
• Liberty Mutual offers discounts for safety features, preferred payment discount, teen driver discount, new vehicle discount, new move discount, and multi-policy.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in every state. To see insurance companies who offer online car insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is not a best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions could help you determine whether or not you could use an agent’s help.

• Do I get a pro-rated refund if I cancel my policy early?
• Should I waive the damage coverage when renting a car?
• Am I covered if my car is in a flood?
• Does insurance cover tools stolen from my truck?
• What is medical payments coverage?
• Am I covered when delivering products for my home-based business?
• Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, hospital visits, pain medications, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your GMC Savana.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

This protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like medical expenses, medical services and court costs. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

More comparisons equals lower rates

We just showed you quite a bit of information on how to lower your 2014 GMC Savana insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Budget-friendly insurance can be purchased both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and these regional carriers only sell through local independent agencies.

More information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)