1997 GMC Savana Insurance Rates – 6 Savings Tips

Want better insurance rates for your GMC Savana? Having to pay for overpriced GMC Savana insurance can empty your checking account, especially in this economy. Comparing price quotes is a great way to help make ends meet.

Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every provider and uncover the absolute lowest cost out there.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Finding the best rates is quite easy. But vehicle owners need to have an understanding of how insurance companies price online insurance because it can help you find the best coverage.

Don’t miss out on these six money-saving discounts

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but less common discounts must be requested specifically prior to getting the savings.

  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Savana coverage than drivers with accidents.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Defensive Driver – Completing a defensive driving course could save 5% or more if your company offers it.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. But any discount will reduce your premiums.

To see a list of providers with discount insurance coverage rates, click this link.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Is a fancy paint job covered?
  • Is pleasure use cheaper than using my 1997 GMC Savana to commute?
  • Can I drive in Mexico and have coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I drop full coverage on my 1997 GMC Savana?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Advertising myths

Auto insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all make an identical promise about savings if you move your policy. But how can every company say the same thing?

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a desirable insured could be between 30 and 50, has no driving citations, and has great credit. A driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who do not match these standards will have to pay more money and this can result in business not being written. The ads state “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can advertise the way they do.

Because of the profiling, you absolutely need to compare as many rates as you can. You cannot predict which company will provide you with the cheapest GMC Savana insurance rates.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Collision protection

This pays for damage to your Savana resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, structural damage, court costs, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as rehabilitation expenses, ambulance fees, funeral costs, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

The bottom line

When shopping online for insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price.

You just read a lot of information how to reduce 1997 GMC Savana insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the best price on insurance is with the least-expected company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Low-cost insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional insurance information is available at these links: