2016 GMC Acadia Car Insurance Cost

Trying to find better auto insurance rates for your GMC Acadia? Pricey auto insurance can eat up your savings and possibly require postponing other expenditures. Comparison shopping can help to cut your insurance bill.

Insurance companies such as Geico, Progressive and Allstate continually bombard you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have a policy now or are looking for a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Buying car insurance is quite easy. Consumers just need to learn the tricks to compare price quotes online.

Quote car insurance online

Finding cheaper 2016 GMC Acadia car insurance quotes is not a difficult process. Consumers just need to spend a few minutes to get quotes to discover which company has affordable auto insurance quotes. This is very easy and can be done using a couple different methods.

One of the simplest ways consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quote forms for every company. Completing one form gets insurance cost estimates from many national carriers.

A different way to obtain and compare quotes online consists of going to each company’s website to complete a price quote. For sake of this example, we’ll assume you want to compare prices for Geico, 21st Century and Allstate. You would be required to go to each individual site and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure you’re using apples-to-apples coverages and limits for each quote you get. If you use mixed coverages you can’t possibly make a fair rate comparison.

Affordable car insurance quotes with discounts

Some companies do not list all available discounts very well, so the list below gives a summary of some of the best known and the more hidden ways to save on car insurance.

  • Data Collection Discounts – Policyholders that allow companies to look at when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Sign Early and Save – A few car insurance companies offer discounts for switching companies prior to your current policy expiration. This can save 10% or more.
  • Senior Citizen Discount – Seniors may be able to get a small discount on rates on Acadia coverage.
  • No Accidents – Drivers who stay claim-free get the best car insurance rates as compared to drivers with a long claim history.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance because maintaining a house is proof of financial responsibility.

Keep in mind that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will lower your premiums.

Auto insurance companies that have most of these discounts include:

Double check with each insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. For a list of providers who offer car insurance discounts, follow this link.

Why you might pay inflated rates

Smart consumers have a good feel for some of the factors that aid in calculating your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower premium levels.

The items below are some of the factors companies use to determine premiums.

  • When should you not file a claims? – Car insurance companies give the best rates to people who are claim-free. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is intended for claims that pose a financial burden.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less claims paid and more competitive rates for policyholders. If your GMC Acadia scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Extra coverages can add up – There are a ton of additional extra coverages that can add up on your Acadia policy. Insurance for things like roadside assistance, towing coverage, and membership fees may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.
  • You might pay more if you are single – Having a significant other helps lower the price when buying car insurance. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Your address can push rates up or down – Residing in areas with lower population has it’s advantages when insuring your vehicles. City drivers have to deal with traffic congestion and higher rates of accident claims. Lower population means a lower chance of having an accident in addition to fewer liability claims.

Tailor your insurance coverage coverage to you

When choosing coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can help discover if you could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • Why am I required to get a high-risk car insurance policy?
  • Do I really need UM/UIM coverage?
  • Is my camper covered by my car insurance policy?
  • What can I do if my company denied a claim?
  • When can my company non-renew my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving on a suspended license?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, ambulance fees, pain medications and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured or underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your GMC Acadia.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This covers damage to your Acadia resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, sideswiping another vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

The bottom line

You just learned many ways to lower your 2016 GMC Acadia insurance rates. The key thing to remember is the more times you quote, the higher your chance of finding affordable auto insurance. Consumers could even find that the best rates are with a small mutual company. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate or State Farm.

Cheaper 2016 GMC Acadia insurance can be bought online as well as from independent agents, so you should compare both to have the best selection. There are still a few companies who do not offer rate quotes online and these smaller providers only sell through independent insurance agencies.

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