Save on 2013 GMC Savana Cargo Insurance Quotes

Are you sick and tired of paying out the nose to insure your GMC every month? Your situation is no different than most other car owners. You have so many insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the best rates for your vehicles.

It’s a great practice to compare rates at least once a year because insurance rates trend upward over time. Even if you got the best deal for Savana Cargo coverage a year ago there may be better deals available now. There is a lot of bad advice regarding insurance online, so with this article, you’re going to get some guaranteed methods to buy insurance cheaper.

How to Compare Car Insurance Quotes

Cutting your car insurance rates is a fairly straight forward process. The only thing you need to do is take the time getting comparison quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing a different quote for every car insurance company. In just a few minutes this one form will return quotes from several companies.

A slightly less efficient method to obtain and compare quotes online requires visiting each company’s website to complete a price quote. For sake of this example, let’s say you want to compare USAA, GEICO and Progressive. You would have to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The most time-consuming method of getting rate comparisons is to waste gas driving to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed agents. You can, however, comparison shop online and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverage limits on every quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate.

These discounts can slash car insurance rates

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but a few need to be manually applied before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Memberships – Belonging to a civic or occupational organization may earn a discount when shopping for car insurance for Savana Cargo coverage.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut the cost of coverage.

A partial list of companies that may have these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not be available in your area.

When might I need the advice of an agent?

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can aid in determining if your situation might need professional guidance.

  • Should I rate my 2013 GMC Savana Cargo as pleasure use or commute?
  • Who is covered by my policy?
  • How do I file an SR-22 for a DUI in my state?
  • How can I get high-risk coverage after a DUI?
  • What are the best liability limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Factors that can influence insurance rates for a GMC Savana Cargo

It’s important that you understand the rating factors that help determine car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that could result in lower car insurance prices.

The following are some of the factors companies use to determine premiums.

  • Multiple policies with one company can save – Some car insurance companies provide better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • An active claims history can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Companies give discounts to drivers who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • No coverage gaps is important – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Do you need the policy add-ons? – There are a ton of add-on coverages that can waste your money on your Savana Cargo policy. Things like roadside assistance, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so remove them from your policy.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Teen drivers pay high rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel. Young drivers are known to be more careless in a vehicle and because of this, their car insurance rates are much higher.

Save $464 a year? Really?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as State Farm and Allstate. All the companies make the same claim that you’ll save big if you move your policy.

But how can every company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of customer that is profitable for them. A good example of a driver they prefer could be between 30 and 50, a clean driving record, and has a high credit rating. A driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Drivers who don’t measure up to the “perfect” profile must pay higher rates which leads to business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully claim big savings.

This illustrates why drivers must get as many comparisons as possible. It’s just too difficult to predict which company will have the lowest GMC Savana Cargo insurance rates.

Auto insurance coverages

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your Savana Cargo from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as chiropractic care, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your GMC Savana Cargo.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Smart shoppers get results

When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured cut collision coverage only to regret that the small savings ended up costing them much more. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Lower-priced 2013 GMC Savana Cargo insurance can be sourced both online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online quoting and these small insurance companies work with independent agents.

For more information, feel free to browse the resources below: