2003 GMC Savana Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2003 GMC Savana are $922 a year with full coverage. Comprehensive costs on average $144 each year, collision costs $168, and liability coverage costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $1,976. Teen drivers receive the highest rates at $3,760 a year or more.
Annual premium for full coverage: $922
Rate estimates for 2003 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 the average driver, prices range go from as low as $504 for the bare minimum liability coverage to a high rate of $1,976 for a driver that may need high-risk insurance.
These differences demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than using price averages.
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 2003 GMC Savana Insurance
Having to pay for overpriced GMC Savana insurance can drain your savings account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more difficult to adequately compare rates.
It’s a good habit to take a look at other company’s rates at least once a year because insurance rates change frequently. Just because you found the best deal for Savana coverage a couple years back you can probably find a lower rate today. There is a lot of wrong information about insurance coverage online, so I’m going to show you the easiest ways to buy insurance coverage cheaper.
Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Nevertheless, drivers must understand the way insurance companies compete online and use this information to your advantage.
The quickest method we recommend to get policy rate comparisons utilizes the fact most insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is provide information like if the vehicle is leased, if a SR-22 is required, how your vehicles are used, and distance driven. That information is instantly submitted to multiple top-rated companies and you receive quotes instantly to find the best rate.
To start a quote now, click here and enter your zip code.
Different people need different coverages
When buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.
- How do I insure my teen driver?
- Am I better off with higher deductibles on my 2003 GMC Savana?
- Am I covered by my spouse’s policy after a separation?
- Does my 2003 GMC Savana need full coverage?
- Are my tools covered if they get stolen from my vehicle?
- Do I have coverage for damage caused while driving under the influence?
- How much can I save by bundling my policies?
- Exactly who is provided coverage by my policy?
If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Insurance policy coverages for a GMC Savana
Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, X-ray expenses, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability can pay for claims such as pain and suffering, emergency aid, bail bonds, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as fire damage, falling objects, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Auto collision coverage
This coverage will pay to fix damage to your Savana resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2003 GMC Savana.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Rates by U.S. City
|New York City, NY||$1,455|
|Los Angeles, CA||$1,575|
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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||$53|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.