Guide to Insuring your GMC Savana 3500 Van for Less
If buying car insurance was fun, we'd do it as a recreational sport. But most likely we pay more than we want to and don't really enjoy the buying process. Finding affordable insurance for your GMC Savana 3500 Van is probably the same story.
Step One: Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
Comparing insurance rates for a GMC Savana 3500 Van only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Apples-to-Apples! When doing comparison quotes for your Savana 3500 Van, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: How to Lower your Savana 3500 Van Insurance Premium
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Savana 3500 Van insurance rates.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
Step Three: Finalize your Car Insurance Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Savana 3500 Van that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
Coverage will extend from your current policy if you're buying a GMC Savana 3500 Van, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Be sure to have a new policy ready to go if you are buying a new Savana 3500 Van. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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