6 Discounts Shoppers Overlook when Buying Insurance for a GMC Savana 2500 Van

Searching for better insurance prices for a new or used GMC Savana 2500 Van can be a lot of work, but you can use these tips to find lower rates.

There is a better way to find auto insurance online so we’re going to tell you the proper way to get price quotes for a GMC and locate the best price possible from local insurance agents and online providers.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Finding the best coverage is easy if you know what you’re doing. Nevertheless, drivers must know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to buy auto insurance online

Performing a rate comparison can be challenging if you don’t utilize the most efficient way to do it. You can waste hours driving to insurance companies in your area, or you could save time and use the internet for quick rates.

Most major companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote. This eliminates the need for quote requests to every company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose which companies you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare equivalent deductibles and coverage limits on every quote. If you have different coverage information it’s impossible to make a fair rate comparison. Slightly different coverages may result in a large different in cost. And when quoting auto insurance, remember that having more price comparisons provides better odds of finding more affordable insurance.

Take advantage of every auto insurance discount

Some insurance providers don’t list all available discounts in a way that’s easy to find, so the list below details both the well known as well as some of the hidden auto insurance savings.

• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Progressive, State Farm and GEICO permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
• Home Ownership Discount – Simply owning a home can save you money since home ownership means you have a higher level of financial diligence.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Multi-policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
• Save over 55 – Seniors may be able to get lower premium rates for Savana van insurance.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

To find providers who offer free auto insurance quotes, follow this link.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you might need professional guidance.

• What discounts do I qualify for?
• What are the best liability limits?
• What vehicles should carry emergency assistance coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Why am I required to get a high-risk car insurance policy?
• Am I covered by my spouse’s policy after a separation?
• Do I have coverage when pulling a U-Haul trailer?
• Does my car insurance cover rental cars?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

The coverage is in the details

Having a good grasp of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Savana 2500 Van.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability

This coverage will cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like medical expenses, structural damage, emergency aid, funeral expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, nursing services and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from flooding, damage from getting keyed, vandalism and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Persistent drivers can save

In this article, we presented some good ideas how you can save on GMC Savana 2500 Van insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier.

People leave their current company for any number of reasons including lack of trust in their agent, high rates after DUI convictions, extreme rates for teen drivers and even poor customer service. Whatever your reason, choosing a new company can be easier than you think.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.