Cheap 2016 GMC Savana Insurance Rates

Trying to find better auto insurance rates for your GMC Savana? Pricey auto insurance can diminish your personal savings and make it impossible to make ends meet. Price shopping at each renewal can lower your rates and help to reduce premiums and put more money in your pocket.

Because there are so many online and local companies to choose from, it is hard for the average consumer to find the cheapest insurer.

Buying car insurance is not that difficult. In a nutshell, everyone who buys car insurance will most likely be able to find better rates. Nevertheless, consumers must understand the methods companies use to sell insurance online and take advantage of how the system works.

How to buy insurance online

All the larger insurance companies provide pricing on their websites. Comparing rates online is pretty easy because it’s just a matter of typing in your personal and coverage information as detailed in the form. When complete, their quoting system obtains information on your driving record and credit history and returns pricing information based on the data you entered. Online price quotes makes it easy to compare insurance prices but the time required to go to different websites and fill out multiple forms is a waste of time. But it’s also necessary to have as many quotes as possible if you want to find better insurance pricing.

Isn’t there an easier way to compare rates?

A quicker way to find better insurance pricing is to use a quote form to return rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more efficient. Immediately after you send the form, it is quoted and you are able to buy any or none of the price quotes you receive. If you find a better price it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly find out how much you can save on insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in identical to your current policy. This helps ensure you will have a rate comparison based on the exact same insurance coverage.

Big brands don’t always mean big savings

Respected companies like Progressive, Allstate and Geico regularly use ads on TV and radio. They all state the claim about saving some big amount if you move to them. But how can every company have lower policy pricing? This is how they do it.

Most companies have underwriting criteria for the type of driver that will add to their bottom line. One example of a profitable customer could possibly be between the ages of 30 and 50, has other policies, and has excellent credit. Any customer who fits that profile will probably get cheap rates and have a good chance to save a lot of money.

Potential insureds who don’t meet this ideal profile may be required to pay a more expensive rate with the end result being the driver buying from a lower-cost company. The wording the ads use say “customers that switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully claim big savings. Because each company has a different risk profile, it’s extremely important to compare rate quotes every year. Because you cannot predict which insurance companies will have the lowest rate quotes.

Get lower rates with these auto insurance discounts

Companies offering auto insurance don’t always list every policy discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

• Resident Student – College-age children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Multiple Vehicles – Insuring primary and secondary vehicles with the same auto insurance company can get a discount on all vehicles.
• Lower Rates for Military – Having an actively deployed family member could be rewarded with lower rates.
• Senior Citizen Rates – Older drivers could receive a small discount on rates for Savana insurance.
• Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
• Early Renewal Discounts – Some companies give discounts for switching companies prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
• Professional Organizations – Joining qualifying clubs or civic groups can get you a small discount on your policy.
• Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance too.

As a footnote on discounts, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, it’s just not the way it works. Any qualifying discounts should help reduce the amount you have to pay.

A list of auto insurance companies and the discounts they provide are:

• Geico policyholders can earn discounts including membership and employees, military active duty, seat belt use, good student, anti-lock brakes, air bags, and anti-theft.
• SAFECO may offer discounts for safe driver, anti-theft, teen safe driver, teen safety rewards, bundle discounts, and homeowner.
• State Farm discounts include defensive driving training, multiple autos, safe vehicle, driver’s education, student away at school, and Steer Clear safe driver discount.
• MetLife has discounts for accident-free, good student, good driver, multi-policy, and claim-free.
• 21st Century includes discounts for automatic seat belts, student driver, driver training, teen driver, early bird, and defensive driver.
• Progressive offers premium reductions for continuous coverage, multi-vehicle, homeowner, online quote discount, and good student.

When getting free car insurance quotes, it’s a good idea to each insurance company which discounts they offer. A few discounts may not apply in your area. If you would like to choose from a list of companies that offer multiple discounts, follow this link.

Auto insurance can get complicated

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Do I need PIP (personal injury protection) coverage in my state?
• Should I put collision coverage on all my vehicles?
• How much liability do I need to cover my assets?
• Why does it cost so much to insure a teen driver?
• Will my insurance pay for OEM parts?
• Which is better, split liability limits or combined limits?
• Are rock chip repairs covered?
• Can my teen driver be rated on a liability-only vehicle?
• Does my 2016 GMC Savana need full coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to 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.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Coverage for liability – This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, funeral costs, rehabilitation expenses and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This pays for damage to your Savana resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your GMC Savana.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, theft, hitting a deer and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

When shopping online for insurance, you should never skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheaper 2016 GMC Savana insurance can be sourced on the web as well as from independent agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some insurance providers may not have price quotes online and these smaller companies prefer to sell through independent agencies.

Other resources

• Senior Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Information for Teen Drivers (Geico)