1996 GMC Savana Insurance Rates
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UPDATED: Nov 24, 2017
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Average insurance rates for a 1996 GMC Savana are $878 a year for full coverage. Comprehensive insurance costs around $126 each year, collision costs $152, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,886 or more. Teenage drivers receive the highest rates at $3,630 a year or more.
Annual premium for full coverage: $878
Rate estimates for 1996 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1996 GMC Savana models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for a discount liability-only rate to a high rate of $1,886 for a high risk driver.
These differences show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1996 GMC Savana Insurance
Shopping for the most affordable insurance on the web can be rather challenging for consumers not familiar with buying insurance online. With so many choices, how can consumers have a chance to compare every one to find the best available price?
Finding affordable coverage is easy if you know what you’re doing. In a nutshell, anyone who buys auto insurance most likely will be able to reduce their rates. Nevertheless, drivers need to learn how companies market on the web.
The quickest way to compare car insurance rates is to realize almost all companies have advanced systems to quote your coverage. To get started, all you need to do is provide the companies a bit of rating information including if the vehicle is leased, whether or not you need a SR-22, driver details, and an estimate of your credit level. That rating data is instantly submitted to insurance carriers in your area and you should receive rate quotes with very little delay.
Save with discounts on 1996 GMC Savana insurance
Auto insurance companies do not list all their discounts very clearly, so we break down both well-publicized and also the lesser-known car insurance savings.
- Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts up to 30%.
- Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- Bundle and Save – When you have multiple policies with one company you will save up to 20% off your total premium.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
- Government Employees – Employees or retirees of the government could cut as much as 10% off for Savana insurance with select insurance companies.
- Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
- Safe Drivers – Insureds without accidents can pay as much as 50% less for Savana insurance than drivers with accident claims.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Keep in mind that most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.
For a list of companies with the best car insurance discounts, click here to view.
Tailor your coverage to you
When buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions can help discover if your insurance needs might need professional guidance.
- Am I covered if my car is in a flood?
- Is my vehicle covered by my employer’s policy when using it for work?
- At what point should I drop full coverage?
- How much can I save by bundling my policies?
- When should my teen driver be added to my policy?
- I have a DUI can I still get coverage?
- Does my policy pay for OEM or aftermarket parts?
- Does insurance cover damages from a DUI accident?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
GMC Savana rates are complex
Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.
- Careful drivers pay lower rates – Even one ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to continue driving.
- High credit ratings translate to low rates – Your credit rating is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could pay less to insure your 1996 GMC Savana by improving your rating.
- Do you have enough liability coverage? – Your policy’s liability coverage will protect you when a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
- Never go without insurance – Driving with no insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance will get you a steep fine or even jail time.
- Do you need those extra coverages? – There are many extra bells and whistles that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
- Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Women and men have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.
- The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Savana may be wasting your money. Make sure your auto insurance coverage shows the proper vehicle usage, because it can save money.
Do insurance companies bend the truth?
Insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you’ll save big if you change your policy. How do they all make the same claim?
All companies have a certain “appetite” for the type of driver that makes them money. A good example of a desirable insured could possibly be a mature driver, a clean driving record, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.
Consumers who are not a match for the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much money. That is how insurance companies can confidently advertise the savings. Because of the profiling, drivers must quote coverage with many companies. It’s impossible to know which insurance company will give you the biggest savings on GMC Savana insurance.
Detailed coverages of your insurance policy
Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Insurance for medical payments
Med pay and PIP coverage kick in for immediate expenses like pain medications, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as loss of income, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but you should buy higher limits if possible.
Comprehensive coverage (or Other than Collision)
This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from flooding, hail damage and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as scraping a guard rail, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Get your money’s worth
Consumers change insurance companies for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, unfair underwriting practices or questionable increases in premium. No matter why you want to switch, finding the right insurance provider is not as difficult as it may seem.
Low-cost 1996 GMC Savana insurance is attainable from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
You just learned some good ideas how you can get a better price on insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the lesser-known companies.
Much more information about insurance can be found at the links below
Rates by U.S. City
|New York City, NY||$1,392|
|Los Angeles, CA||$1,503|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$50|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.