1999 GMC Savana Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 1999 GMC Savana are $878 a year including full coverage. Comprehensive costs on average $126, collision insurance costs $152, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,886. Teenage drivers receive the highest rates at up to $3,630 a year.
Annual premium for full coverage: $878
Rate estimates for 1999 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1999 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 driver in their 40's, prices range range from as low as $496 for a discount liability-only rate to a much higher rate of $1,886 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare prices based on a specific location 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 1999 GMC Savana Insurance
Want lower insurance rates for your GMC Savana? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us, you’re not the only one.
There is such a variety of insurance companies to choose from, and although it’s nice to have a selection, it makes it harder to compare company pricing.
Buying car insurance is not that difficult. In a nutshell, everyone who has to buy insurance coverage most likely will be able to find lower rates. Nevertheless, vehicle owners can benefit from knowing how big insurance companies sell online because it can help you find the best coverage.
Get lower rates on GMC Savana insurance
Companies that sell car insurance don’t always list every discount very clearly, so the following is a list of both the well known and the more hidden car insurance savings.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It can save you around 10%.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Multi-car Discount – Having more than one vehicle on the same car insurance policy can get a discount on all vehicles.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
It’s important to note that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
Companies who might offer these money-saving discounts may include but are not limited to:
Before buying, ask each insurance company which discounts they offer. Discounts may not apply in your area.
The easiest way to compare car insurance company rates utilizes the fact all the major auto insurance companies have advanced systems to give free rates quotes. All you need to do is take a few minutes to give details including whether or not you need a SR-22, the make and model of your vehicles, daily mileage, and whether the vehicles are used for commuting. Those rating factors gets transmitted to many different companies and you should receive rate quotes immediately.
Tailor your coverage to you
When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether you might need professional guidance.
- Is my vehicle covered by my employer’s policy when using it for work?
- What are the best liability limits?
- Are rental cars covered under my policy?
- Am I getting all the discounts available?
- Does my insurance cover a custom paint job?
- What happens if I owe more than my 1999 GMC Savana is worth?
- Do I need replacement cost coverage?
- Does coverage extend to a rental car in a foreign country?
- Are rock chip repairs covered?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Auto insurance coverages
Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision – This will pay to fix damage to your Savana caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Coverage for liability – This will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things such as medical services, loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as vandalism, damage from flooding, hail damage and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured and underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1999 GMC Savana.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Buy Smart and Save
Budget-conscious 1999 GMC Savana insurance can be bought online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
You just learned many ways to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.
Much more information about insurance coverage is available on the following sites:
- Distracted Driving Extends Beyond Texting (State Farm)
- Top Signs Your Brakes are Giving Out (State Farm)
- Understanding your Policy (NAIC.org)
- Electronic Stability Control FAQ (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
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.