2012 GMC Savana Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2012 GMC Savana are $1,154 a year with full coverage. Comprehensive costs an estimated $206, collision insurance costs $330, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,492. Teen drivers receive the highest rates at up to $4,524 a year.
Annual premium for full coverage: $1,154
Rate estimates for 2012 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 range from as low as $510 for a discount liability-only rate to a much higher rate of $2,492 for a high risk driver.
These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area 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 2012 GMC Savana Insurance
Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for low-cost GMC Savana insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to compare rates.
There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to quote coverages on a GMC and locate the best price possible.
The purpose of this article is to let you in on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers just need to learn the tricks to shop their coverage around online.
Are you getting all your discounts?
Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at quote time, but lesser-known reductions have to be asked for prior to getting the savings. If you’re not getting every credit available, you are paying more than you should be.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
- Own a Home – Owning a house may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Club Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy on Savana insurance.
- Distant Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
- Accident Free – Claim-free drivers pay less when compared with frequent claim filers.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Savana insurance than drivers with accidents.
- No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
Keep in mind that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.
Insurance companies who might offer some of the above discounts may include but are not limited to:
It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your state.
Comprehensive Auto Insurance Comparison Quotes
There are several ways to compare GMC Savana auto insurance quotes, but one way is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.
Most major companies are enrolled in a marketplace where prospective buyers submit their information once, and every company then gives them pricing based on that information. This system prevents you from having to do quotation requests for every auto insurance company.
To fill out one form to compare multiple rates now click here (opens in new window).
The one disadvantage to pricing coverage this way is you can’t choose which carriers to get quotes from. If you wish to select from a list of companies to compare prices, we have assembled a list of auto insurance companies in your area. Click here to view list.
It’s up to you which method you use, but double check that you are using apples-to-apples information for every company. If you are comparing different deductibles it will be very difficult to find the best deal for your GMC Savana.
When might I need an agent?
When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.
- Is my business laptop covered if it gets stolen from my vehicle?
- How many claims can I have before being canceled?
- Does my personal policy cover me when driving out-of-state?
- Do I need an umbrella policy?
- Should I buy more coverage than the required minimum liability coverage?
- Does coverage extend to my business vehicle?
- Does my liability insurance cover pulling a trailer or camper?
- Where can I find DUI or SR-22 insurance?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Auto insurance coverage options for a 2012 GMC Savana
Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as theft, hitting a bird, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision – This covers damage to your Savana from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like driving through your garage door, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Liability coverage – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people. It does not 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 limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as legal defense fees, court costs, repair bills for other people’s vehicles, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for ambulance fees, dental work, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Savana.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.
Have the Midas touch
We just covered many ideas to compare 2012 GMC Savana insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with the least-expected company.
Discount insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
Rates by U.S. City
|New York City, NY||$1,824|
|Los Angeles, CA||$1,971|
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||$77|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.