Save on 2014 GMC Savana Cargo Insurance Rates

Want better insurance rates for your GMC Savana Cargo? Trying to find better insurance prices for a GMC Savana Cargo can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to find insurance online and you need to know the best way to get price quotes for a GMC and get the cheapest rates either online or from local insurance agents.

If you have a policy now or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Finding affordable insurance coverage coverage is quite easy. Vehicle owners just need to understand the tricks to shop for insurance coverage online.

How much is car insurance?

Shopping for lower car insurance rates can be exhausting if you don’t utilize the most efficient way. You could spend your day talking about coverages with agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many companies take part in a program where insurance shoppers submit one quote, and every company returns a competitive quote based on that information. This system prevents you from having to do form submissions to each individual car insurance company. To enter your information into the quoting system, click here to start a free quote.

The one downside to comparing rates this way is you can’t choose the providers to get pricing from. So if you want to select specific insurance companies to compare, we have a listing of car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare the same coverage information with each company. If you compare differing limits it will be nearly impossible to make an equal comparison.

You may qualify for discounts

Insurance coverage is easily one of your largest bills, but there are discounts available that many people don’t even know exist. Certain reductions will be credited at quote time, but occassionally some discounts must be asked about prior to getting the savings. If you don’t get every credit available, you are throwing money away.

  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Renewal Discounts – A few insurance companies give discounts for renewing your policy early. It’s a savings of about 10%.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
  • Student in College – Kids who attend college more than 100 miles from home and do not take a car to college can receive lower rates.
  • Anti-theft System – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Online Discount – A few larger online companies will give a small break shop insurance online.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Savana Cargo coverage than drivers with accidents.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

A quick disclaimer, some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Auto insurance companies that may include some of the above discounts include:

Before buying, ask every insurance company how you can save money. Depending on the company, some discounts might not be offered in your area. To see a list of insurers that have a full spectrum of discounts, click here to view.

There’s no such thing as the perfect auto insurance policy

When choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might point out whether you may require specific advice.

  • Does my personal policy cover me when driving out-of-state?
  • Is rental equipment covered for theft or damage?
  • If my pet gets injured in an accident are they covered?
  • I have a DUI can I still get coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is my custom paint covered by insurance?
  • Are rental cars covered under my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Learn how to lower your insurance rates

The best way to find cheaper insurance is to take a look at the different types of things that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could help you find lower premium levels.

The factors shown below are a partial list of the pieces used by your company to calculate rates.

  • Is insurance coverage cheaper for females or males? – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Both sexes are responsible for accidents at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as reckless driving.
  • Alarms and GPS tracking lower premiums – Driving a car with a theft deterrent system can help lower your premiums. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • You might want pay the minor claims yourself – If you tend to file frequent claims, you should expect either a policy non-renewal or much higher rates. Companies award better rates to insureds who are claim-free. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Pay more by driving carelessly – Your driving record can have a huge impact on auto insurance premiums. Good drivers have lower premiums compared to drivers with tickets. Having just one moving violation could increase your next policy renewal substantially. Drivers who have received severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state’s department of motor vehicles in order to prevent a license revocation.
  • Married drivers get better prices – Getting married actually saves money on your insurance bill. It translates into being more stable financially and it’s proven that being married results in fewer claims.
  • Where do you drive? – The higher the mileage driven annually the more it will cost to insure it. Most insurance companies calculate rates based upon how much you drive. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. An incorrectly rated Savana Cargo is just wasting money. Ask your agent if your vehicle rating states the correct usage, because it can save money.
  • Eliminate unneeded extra coverages – Insurance companies have many extra bells and whistles that can add up if you aren’t careful. Coverages for coverage for rental cars, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • High premiums for teenage drivers – More mature drivers are proven to be safer behind the wheel, file fewer claims and get fewer tickets.Beginning drivers have a tendency to be inattentive when at the wheel of a vehicle therefore insurance rates are much higher.

Car insurance 101

Having a good grasp of car insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance

This provides protection from damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, medical services, repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2014 GMC Savana Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for prosthetic devices, dental work, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

Collision coverage pays for damage to your Savana Cargo resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, rolling your car, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, hail damage, damage from flooding and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Stretch your dollar

When getting insurance quotes online, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

We’ve covered a lot of ways to lower your 2014 GMC Savana Cargo insurance auto insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive insurance. Consumers may even find the lowest auto insurance rates come from some of the smallest insurance companies.

Consumers change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, delays in responding to claim requests or even high rates after DUI convictions. No matter why you want to switch, finding a new company is less work than it seems.

More resources