2014 GMC Savana Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2014 GMC Savana are $1,244 a year for full coverage insurance. Comprehensive costs around $230, collision costs $400, and liability costs $456. Buying a liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,692. Teen drivers receive the highest rates at $4,812 a year or more.
Annual premium for full coverage: $1,244
Rate estimates for 2014 GMC Savana Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 $508 for the bare minimum liability coverage to the much higher price of $2,692 for a high risk driver.
These differences illustrate why everyone should compare rates 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 2014 GMC Savana Insurance
Want better insurance rates for your GMC Savana? Having to pay for overpriced insurance can overdraw your savings account and make it hard to pay other bills. Comparison shopping is a great way to slash your bill and have more diposable income.
You have so many insurance companies to choose from, and even though it’s nice to be able to choose, too many choices makes it more difficult to compare company pricing.
It’s important to take a look at other company’s rates occasionally because insurance rates are variable and change quite frequently. If you had the best deal for Savana coverage a few years ago there may be better deals available now. So just forget anything you know (or think you know) about insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.
Cut prices on GMC Savana insurance
The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but a few must be specifically requested in order for you to get them.
- Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
- Multi-car Discount – Insuring more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
- Accident Free – Claim-free drivers pay less when compared to accident-prone drivers.
- Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Savana coverage than their less cautious counterparts.
- Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
- Own a Home – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.
- Passive Restraints and Air Bags – Factory air bags can get savings of 20% or more.
- Fewer Miles Equal More Savings – Keeping the miles down on your GMC could qualify for lower rates on the low mileage vehicles.
Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will reduce your premiums.
For a list of insurance companies with discount insurance coverage rates, click here to view.
Tailor your coverage to you
When choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.
- Will my insurance pay for OEM parts?
- Why am I be forced to buy a membership to get insurance from some companies?
- Can I still get insurance after a DUI?
- Do I pay less if my vehicle is kept in my garage?
- Do I need higher collision deductibles?
- Are rental cars covered under my policy?
- Will my rates increase for filing one claim?
- Is my camper covered by my car insurance policy?
- What is the rate difference between pleasure use and commuting?
If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.
Companies like State Farm and Allstate consistently run ads in print and on television. All the ads say the same thing that you can save if you change to them. How can each company claim to save you money?
Insurance companies are able to cherry pick for the type of driver that makes them money. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer who fits that profile gets the lowest rates and as a result will probably save when they switch companies.
Drivers who don’t measure up to the requirements will be charged more money which usually ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully make those claims.
That is why you should get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest GMC Savana insurance rates.
Car insurance 101
Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.
Coverage for collisions
Collision coverage pays for damage to your Savana resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Medical expense coverage
Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as doctor visits, funeral costs, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
Uninsured or underinsured coverage
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle, damage from flooding, hail damage and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Liability car insurance
This coverage will cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as emergency aid, bail bonds, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Affordable insurance is out there
You just learned a lot of information how to save on 2014 GMC Savana insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the smaller companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.
While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Rates by U.S. City
|New York City, NY||$1,965|
|Los Angeles, CA||$2,127|
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||$86|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.