1999 GMC Savana Car Insurance Cost – 9 Discounts for Best Prices

Nobody enjoys paying for insurance, particularly when the price is too high.

You have so many insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to find a good deal.

It’s smart to do rate comparisons every six months since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Savana coverage six months ago a different company probably has better rates today. Block out anything you think you know about insurance because you’re about to find out the things you must know in order to buy cheaper insurance.

Buying affordable insurance can be fairly easy. Essentially every driver who buys insurance most likely will be able to find lower rates. But car owners must understand how companies sell online and use this information to your advantage.

Pay less for GMC Savana insurance

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Some trigger automatically when you get a quote, but less common discounts must be asked for before you will receive the discount.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing on their website.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Drive Less and Save – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Military Rewards – Being deployed with a military unit can result in better rates.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Does medical payments coverage apply to all occupants?
  • Who is covered by my policy?
  • If my pet gets injured in an accident are they covered?
  • Do I need special endorsements for business use of my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • When should my teen driver be added to my policy?
  • Do I need rental car coverage?
  • Does liability extend to a camper or trailer?
  • What if I total my 1999 GMC Savana and owe more than it’s worth?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Savana.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages – This coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like rehabilitation expenses, dental work, doctor visits and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

In this article, we presented many ideas to compare 1999 GMC Savana insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford.

More tips and info about car insurance can be found in the articles below: