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2009 GMC Savana Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Dec 13, 2021

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Average insurance rates for a 2009 GMC Savana are $1,054 a year with full coverage. Comprehensive costs around $174, collision costs $244, and liability costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,270. Teen drivers receive the highest rates at $4,220 a year or more.

Annual premium for full coverage: $1,054

Rate estimates for 2009 GMC Savana Insurance

Comprehensive $174
Collision $244
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 $526 for just liability coverage to a much higher rate of $2,270 for a high risk driver.

Liability Only $526
Full Coverage $1,054
High Risk $2,270

View Chart as Image

2009 GMC Savana insurance rates compared
Column chart showing 2009 GMC Savana insurance prices range from $634 to $4,220 for full coverage

These differences demonstrate why anyone shopping for car insurance 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 GMC Savana Insurance

Searching Companies

Looking for the cheapest insurance rates for your GMC Savana? Price shopping your insurance can be nearly impossible for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can easily become a challenge to locate the lowest price.

This article will let you in on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. But drivers do need to know how companies price insurance differently and apply this information to your search.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you quote, but some may not be applied and must be asked about before being credited.

  • Senior Discount – Mature drivers may be able to get a discount up to 10% on Savana insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Savana insurance than their less cautious counterparts.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break when shopping for insurance coverage on Savana insurance.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Savana insurance with certain companies.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

Companies that may have these discounts include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply everywhere.

Different people need different coverages

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Do I need PIP coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2009 GMC Savana?
  • Do I need medical payments coverage since I have good health insurance?
  • Why is insurance for a teen driver so high?
  • Do I need roadside assistance coverage?
  • Why am I required to buy liability insurance?
  • Do I pay less for low miles?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, EMT expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This coverage pays for damage to your Savana from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, emergency aid, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Be Smart and Buy Smart

In this article, we presented many ideas to save on 2009 GMC Savana insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the best prices are with an unexpected company.

Drivers change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, poor customer service and extreme rates for teen drivers. No matter why you want to switch, finding a new car insurance company can be easier than you think.

Budget-conscious insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional car insurance information can be read at these links:

Rates by U.S. City

2009 GMC Savana Insurance Rates by City
City Premium
New York City, NY $1,665
Los Angeles, CA $1,800
Philadelphia, PA $1,408
Jacksonville, FL $1,529
Phoenix, AZ $1,224
Chicago, IL $1,415
Houston, TX $1,651
Seattle, WA $1,026
Columbus, OH $881
Indianapolis, IN $897

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 GMC Savana Insurance Rates by Driver Age
Driver Age Premium
16 $4,220
20 $2,414
30 $1,074
40 $1,054
50 $968
60 $946

Full coverage, $500 deductibles

Rates by Deductible

2009 GMC Savana Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,234
$250 $1,152
$500 $1,054
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

GMC Savana Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,054
50/100 $1,150
100/300 $1,269
250/500 $1,580
100 CSL $1,197
300 CSL $1,460
500 CSL $1,652

Full coverage, driver age 40

Rates for High Risk Drivers

2009 GMC Savana Insurance Rates for High Risk Drivers
Age Premium
16 $5,954
20 $3,848
30 $2,292
40 $2,270
50 $2,172
60 $2,148

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $66
5-yr Claim Free $66
Paid in Full/EFT $39
Advance Quote $47
Online Quote $72
Total Discounts $420
Rate after discounts $634

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

Find companies with the cheapest rates in your area

2009 GMC Savana Insurance Rates by State
State Premium
Alabama $954
Alaska $808
Arizona $874
Arkansas $1,054
California $1,200
Colorado $1,006
Connecticut $1,084
Delaware $1,194
Florida $1,318
Georgia $970
Hawaii $756
Idaho $712
Illinois $786
Indiana $794
Iowa $710
Kansas $1,002
Kentucky $1,438
Louisiana $1,558
Maine $650
Maryland $868
Massachusetts $844
Michigan $1,830
Minnesota $882
Mississippi $1,262
Missouri $934
Montana $1,134
Nebraska $832
Nevada $1,262
New Hampshire $760
New Jersey $1,178
New Mexico $932
New York $1,110
North Carolina $606
North Dakota $862
Ohio $728
Oklahoma $1,082
Oregon $964
Pennsylvania $1,006
Rhode Island $1,404
South Carolina $954
South Dakota $890
Tennessee $922
Texas $1,270
Utah $780
Vermont $722
Virginia $630
Washington $814
West Virginia $964
Wisconsin $728
Wyoming $940

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