2014 GMC Savana Cargo Car Insurance Quotes in 2024

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Trying to find better insurance rates for your GMC Savana Cargo? Buying the lowest cost insurance on the web can appear to be impossible for beginners to comparing prices online. With literally dozens of insurers to choose from, how are people able to efficiently compare every possible option in order to find the cheapest price possible?

Consumers should take time to compare prices occasionally due to the fact that insurance prices trend upward over time. Just because you had the best quotes on Savana Cargo insurance six months ago you will most likely find a better rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

Get cheaper insurance rates with discounts

Car insurance companies don’t always advertise every possible discount in a way that’s easy to find, so below is a list both the well known as well as the least known credits that may apply to you.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • Renewal Discounts – A few insurance companies give discounts for switching policies early. This can save 10% or more.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Organization Discounts – Affiliation with qualifying clubs or civic groups could qualify you for a break when getting a insurance quote.
  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Multi-Vehicle Discounts – Buying a policy with multiple vehicles with the same insurance company qualifies for this discount.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Early Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, insurance companies aren’t that generous.

Some of the larger companies that may include many of the previously listed discounts are:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

When getting a coverage quote, ask all companies you are considering how you can save money. Savings may not be available everywhere. For a list of insurance companies that have a full spectrum of discounts, enter your zip code here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I have combined single limit or split liability limits?
  • How much liability insurance is required?
  • What discounts do I qualify for?
  • Will filing a claim cost me more?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Auto insurance coverage specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible


This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, structural damage, bail bonds, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, damage from a tornado or hurricane, theft and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage will pay to fix damage to your Savana Cargo resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, rolling your car, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your GMC Savana Cargo.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

At the end of the day…

You just learned a lot of techniques to reduce 2014 GMC Savana Cargo insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest rates come from a smaller regional carrier.

Consumers change insurance companies for a number of reasons such as delays in paying claims, being labeled a high risk driver, policy cancellation and lack of trust in their agent. Regardless of your reason for switching companies, switching insurance coverage companies is not as difficult as it may seem.

Discount 2014 GMC Savana Cargo insurance is definitely available both online in addition to many insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance providers may not offer online quoting and most of the time these regional insurance providers only sell coverage through independent agents.

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