More info
I think I understand, When the mag is full, it is not correctly feeding the round. It will not close completely until you with draw the bolt a little and push it home.
It could be the feed angle of the round with the mag full. The Savage is a push feed in that the extractor snaps over the cartridge. The bottom of the bolt face it not cut out to allow the cartridge to slide up into alignment. Like a Rem. This eliminates some problems and can cause problems.
I have not had this problem on any of my Savages specifically, but I have seen the same thing on about all bolts. The top round has to loaded all the way to the back of the mag like the first one. Often, the last one is not positioned correctly because the mag is getting full. This causes this problem.
Also, this round strips harder and can enter the chamber at a different angle due the pressure in the mag. This can cause this problem.
Just watch the angles as the rounds feed. It should tell you what is wrong. Some guns just don't want that last round in the mag.
Are you trying to put one too many in the mag? When I hunt, I put 3 mag (or 4 std) in the mag, then I drop the last round in the chamber. Wth the rifle mag area in the palm of my left hand, I us my finger tips to depress the rounds in the mag enough for the bolt to pass over the top round. I nudge the bolt forward over the base of the round in the mag, and then close the rifle. This way the mag is fully charged without trying to feed one too many out of the mag and binding it up. I do this with all put feed bolt guns (not Mausers or pre-64 Wins). Control feed guns must strip from the mag and cannot be loaded mag +1
I just fibbed a little. Where I hunt in the woods, I put about 2 in the mag (one less than it holds) and load the chamber as noted. This keeps lead tipped bullets from being nicked up from always going up the ramp. In the woods around here, you can wear out a bullet before you need to shoot it.