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2005 GMC Savana Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2005 GMC Savana are $956 a year for full coverage. Comprehensive insurance costs approximately $148 each year, collision costs $182, and liability insurance costs $468. Buying a liability-only policy costs as little as $518 a year, with high-risk insurance costing $2,056 or more. Teen drivers receive the highest rates at $3,900 a year or more.

Annual premium for full coverage: $956

Rate estimates for 2005 GMC Savana Insurance

Comprehensive $148
Collision $182
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 $518 for just liability coverage to a high rate of $2,056 for a high risk driver.

Liability Only $518
Full Coverage $956
High Risk $2,056

View Chart as Image

2005 GMC Savana insurance rates compared
Column chart showing 2005 GMC Savana insurance prices range from $586 to $3,900 for full coverage

These differences show why all drivers should compare rates using their specific location and risk profile, rather than relying on 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 2005 GMC Savana Insurance

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Want lower auto insurance rates for your GMC Savana? Are you confused by the dozens of auto insurance options? Lot’s of other consumers are too. Drivers have so many options available that it can easily become a real hassle to locate the lowest price.

It’s a good habit to compare prices occasionally because rates change quite often. Even if you got the best rates for Savana insurance last year there may be better deals available now. There is a lot of wrong information about auto insurance online, so with this article, you’re going to get a bunch of ideas how to save money.

Finding affordable protection is simple if you know the tricks. Essentially every vehicle owner who is required by state law to have auto insurance will more than likely be able to find lower rates. Although drivers should learn the methods companies use to sell insurance online.

These factors can influence what you pay for GMC Savana insurance

It’s important that you understand the rating factors that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to better auto insurance rates.

  • How many coverages with the same company – Some insurance companies give discounts to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you’re getting this discount you still need to shop around to make sure you are getting the best deal.
  • Cautious drivers pay less – Even a single ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can expect higher rates. Insurance companies provide discounts to insureds who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Rural vs Urban Areas – Choosing to live in a small town can save you money when talking about auto insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and a lower car theft rate.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage. Incorrect usage on your Savana may be costing you.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Your stress level may be raising your rates – Careers like real estate brokers, executives and financial analysts tend to have higher average rates attributed to high stress and long work hours. Conversely, occupations such as pilots, engineers and retirees receive lower rates for Savana insurance.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be inquired about prior to getting the savings.

  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • No Accidents – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application on their website.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

For a list of companies offering auto insurance discounts, click here to view.

The insurance coverage bait and switch

Insurance coverage companies such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to their company. How does each company say the same thing?

Different companies are able to cherry pick for the driver they prefer to insure. For example, a desirable insured might be profiled as over the age of 50, has no tickets, and has a high credit rating. A propective insured that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside these standards will be quoted higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the way they do.

This emphasizes why it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will provide you with the cheapest GMC Savana insurance rates.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Am I getting all the discounts available?
  • Is motorclub coverage worth it?
  • Exactly who is provided coverage by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Should I get collision insurance on every vehicle?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your policy

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability insurance – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, loss of income, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2005 GMC Savana.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, hitting a deer and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like prosthetic devices, funeral costs, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage pays for damage to your Savana resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, driving through your garage door, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Spend less. Save more.

Consumers switch companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer and even lack of trust in their agent. Whatever your reason, finding a great new company is actually quite simple.

We covered a lot of tips how to save on 2005 GMC Savana insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small local company.

Cost effective insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional detailed information is available in the articles below:

Rates by U.S. City

2005 GMC Savana Insurance Rates by City
City Premium
New York City, NY $1,512
Los Angeles, CA $1,632
Philadelphia, PA $1,277
Jacksonville, FL $1,387
Phoenix, AZ $1,109
Chicago, IL $1,285
Houston, TX $1,498
Seattle, WA $932
Columbus, OH $801
Indianapolis, IN $814

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 GMC Savana Insurance Rates by Driver Age
Driver Age Premium
16 $3,900
20 $2,184
30 $970
40 $956
50 $878
60 $860

Full coverage, $500 deductibles

Rates by Deductible

2005 GMC Savana Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,096
$250 $1,032
$500 $956
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

GMC Savana Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $956
50/100 $1,050
100/300 $1,167
250/500 $1,471
100 CSL $1,096
300 CSL $1,354
500 CSL $1,541

Full coverage, driver age 40

Rates for High Risk Drivers

2005 GMC Savana Insurance Rates for High Risk Drivers
Age Premium
16 $5,480
20 $3,482
30 $2,068
40 $2,056
50 $1,966
60 $1,946

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.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $59
Paid in Full/EFT $33
Advance Quote $41
Online Quote $64
Total Discounts $370
Rate after discounts $586

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2005 GMC Savana Insurance Rates by State
State Premium
Alabama $866
Alaska $736
Arizona $792
Arkansas $956
California $1,088
Colorado $916
Connecticut $984
Delaware $1,084
Florida $1,196
Georgia $882
Hawaii $686
Idaho $646
Illinois $714
Indiana $720
Iowa $644
Kansas $910
Kentucky $1,306
Louisiana $1,416
Maine $592
Maryland $788
Massachusetts $764
Michigan $1,662
Minnesota $800
Mississippi $1,148
Missouri $848
Montana $1,028
Nebraska $754
Nevada $1,148
New Hampshire $688
New Jersey $1,070
New Mexico $848
New York $1,008
North Carolina $552
North Dakota $784
Ohio $662
Oklahoma $982
Oregon $876
Pennsylvania $912
Rhode Island $1,278
South Carolina $866
South Dakota $808
Tennessee $838
Texas $1,152
Utah $708
Vermont $656
Virginia $572
Washington $740
West Virginia $876
Wisconsin $662
Wyoming $854

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