How Much Does 2004 GMC Savana Car Insurance Cost?

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are many people just like you. Companies like Geico, 21st Century and Progressive continually hit you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers just need to understand how to compare rates online.

How to Lower Your Auto Insurance Cost

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each participating company can provide price quotes based on the submitted data. This eliminates the need for form submissions to each individual auto insurance company.

To find out what other companies charge for 2004 GMC Savana insurance click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which carriers to receive prices from. So if you want to choose specific providers to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing the exact same information on every quote you get. If the quotes have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

These discounts can slash insurance rates

Companies don’t always list every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on insurance. If they aren’t giving you every credit available, you are paying more than you should be.

  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Savana coverage than drivers with accident claims.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • No Claims – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Fewer Miles Equal More Savings – Fewer annual miles on your GMC could qualify for lower rates on the low mileage vehicles.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

For a list of insurers offering insurance discounts, click here.

Why your GMC Savana might be costing you more

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for insurance. Knowing what controls the rates you pay enables informed choices that may reward you with better insurance rates.

  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Discounts for multiple policies – Some companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find better rates by buying insurance from a different company.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men cause accidents at a similar rate, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Small claims can cost you – Companies give lower rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Protect your assets with liability insurance – Liability insurance is the protection in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight whether you might need an agent’s assistance.

  • What if I owe more than I can insure my car for?
  • Does my 2004 GMC Savana qualify for pleasure use?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Do I need roadside assistance coverage?
  • How does medical payments coverage work?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Can you really save that much by switching?

Consumers can’t ignore all the ads that promise big savings by companies like State Farm, Allstate and Geico. They all say the same thing that you’ll save big if you change to them.

How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer could be between the ages of 40 and 55, has no tickets, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get very good rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much. That’s why companies can claim big savings. Because of the profiling, drivers must get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest GMC Savana insurance rates.

Specific coverages for a 2004 GMC Savana

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hitting a deer, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your GMC Savana.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage covers damage to your Savana resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, backing into a parked car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage – This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles, structural damage and funeral expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

At the end of the day…

In this article, we presented quite a bit of information on how to save on 2004 GMC Savana insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

Affordable insurance can be sourced online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

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