2006 GMC Savana Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2006 GMC Savana are $986 a year for full coverage insurance. Comprehensive costs on average $152 a year, collision insurance costs $202, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,124. Teen drivers receive the highest rates at up to $4,008 a year.
Annual premium for full coverage: $986
Rate estimates for 2006 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 range from as low as $522 for a discount liability-only rate to a high of $2,124 for a driver that may need high-risk insurance.
These differences illustrate why it is important for drivers to compare rates based on a 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 2006 GMC Savana Insurance
Are you overwhelmed by the number of auto insurance options? You’re not the only one! People have so many options available that it can easily become a real hassle to compare prices.
This information will teach you the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Although drivers must understand the way insurance companies price online insurance.
How to Compare Auto Insurance Costs
When shopping for auto insurance there are multiple ways to compare rate quotes and find the best price. The quickest method to find the cheapest 2006 GMC Savana insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.
- The most efficient way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quote forms for every auto insurance company. Filling out one form will get you rate comparisons from multiple companies. This is by far the quickest method.
- A more time consuming way to get quotes online requires visiting each company’s website and request a quote. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, 21st Century and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
- The hardest way of getting rate comparisons is driving around to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the personal advice of a local agent. You can, however, comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.
It’s up to you which method you use, but make darn sure you compare exactly the same coverage information for each comparison quote. If you are comparing different limits and deductibles on each one it will be impossible to make an equal comparison. Quoting even small variations in insurance coverages can make a big difference in price. Keep in mind that quoting more gives you a better chance of getting better pricing.
Discounts mean cheaper 2006 GMC Savana insurance rates
The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings.
- Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
- Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
- Homeowners Discount – Owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
- Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
- Accident Free – Claim-free drivers pay much less when compared to bad drivers.
- Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if you qualify.
- Government Employees – Active or retired federal employment can earn a discount up to 10% on Savana insurance with a few insurance companies.
- Passive Restraints – Vehicles with factory air bags can get savings of 20% or more.
- Drive Less and Save – Fewer annual miles on your GMC can qualify you for a substantially lower rate.
Drivers should understand that many deductions do not apply the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce the cost of coverage.
For a list of companies who offer insurance discounts, click here.
Tailor your coverage to you
When buying coverage, there isn’t really a best way to insure your cars. Every situation is different.
Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.
- Do I have newly-aquired coverage?
- Am I covered if I hit a deer?
- Why is insurance for a teen driver so high?
- How does medical payments coverage work?
- Should I waive the damage coverage when renting a car?
- Am I covered when pulling a rental trailer?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- How many claims can I have before being canceled?
- Can I make deliveries for my home business?
- Is my custom paint covered by insurance?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Information about specific coverages
Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Liability auto insurance
This provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like structural damage, legal defense fees and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.
Collision insurance covers damage to your Savana from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as scraping a guard rail, crashing into a ditch, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.
Comprehensive (Other than Collision)
This coverage 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 coverage protects against things like a broken windshield, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Savana.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
Smart consumers save more
Drivers switch companies for any number of reasons including policy cancellation, poor customer service, being labeled a high risk driver and policy non-renewal. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
Cheaper 2006 GMC Savana insurance is possible online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and these regional insurance providers work with independent agents.
We just showed you a lot of techniques to compare insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest premiums are with a lesser-known regional company.
To learn more, link through to the following helpful articles:
Rates by U.S. City
|New York City, NY||$1,557|
|Los Angeles, CA||$1,686|
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||$59|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.