2004 GMC Savana Insurance Rates

Average insurance rates for a 2004 GMC Savana are $942 a year including full coverage. Comprehensive costs around $146, collision insurance costs $178, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,020. Teen drivers receive the highest rates at up to $3,838 a year.

Annual premium for full coverage: $942

Rate estimates for 2004 GMC Savana Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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

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These differences highlight why everyone should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Looking for the cheapest auto insurance rates for your GMC Savana? Are you sick and tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as many other drivers. Numerous insurance companies battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

More discounts equal less premium

Car insurance companies do not advertise every available discount very well, so here is a list both well-publicized and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
• Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Savana coverage with certain companies.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
• 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Savana coverage.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts, click here.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Do I pay less if my vehicle is kept in my garage?
• Are my friends covered when driving my car?
• Will my insurance pay for OEM parts?
• What happens if I owe more than my 2004 GMC Savana is worth?
• Do I need rental car coverage?
• What is covered by UM/UIM coverage?
• Why am I required to buy liability insurance?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage myths debunked

Consumers can’t get away from ads for car insurance savings from the likes of Allstate and Progressive. They all seem to make an identical promise of big savings if you move your coverage to them.

How can each company make almost identical claims?

Different companies can use profiling for the driver that is profitable for them. For instance, a preferred risk could be between 25 and 40, has no tickets, and drives newer vehicles. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Consumers who do not match the “perfect” profile will be charged higher rates and ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. That is how companies can state the savings. That is why you should compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest GMC Savana insurance rates.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, structural damage, medical services, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as dental work, nursing services, pain medications and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, fire damage, hitting a bird and damage from getting keyed. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your GMC Savana.

Due to the fact that many drivers carry very low liability coverage limits, 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.

Don’t be a big spender

Budget-conscious 2004 GMC Savana insurance can be bought both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

We just covered a lot of tips how to shop for insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the most savings is with a small local company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.

To read more, link through to the resources below:

• Neck Injury FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)