How Much Does 2017 GMC Acadia Insurance Cost?

Looking for cheaper car insurance rates? Shoppers have many options when shopping for the lowest priced GMC Acadia insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There is a better way to shop for car insurance and we’ll show you the best way to quote coverages for your GMC and obtain the cheapest rates from local insurance agents and online providers.

You should make it a habit to compare prices at least once a year since rates go up and down regularly. Just because you found the best deal for Acadia coverage a few years ago you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

Do you qualify for discounts?

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some must be asked for before being credited. If you aren’t receiving every discount available, you are throwing money away.

  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Acadia coverage with certain companies.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.

Keep in mind that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

For a list of companies offering car insurance discounts, follow this link.

These factors can influence GMC Acadia insurance rates

Smart consumers have a good feel for some of the elements that go into determining the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Listed below are some of the items companies use to determine your rates.

  • Your age impacts your rates – Teenage drivers tend to be careless and easily distracted when driving so car insurance rates are higher. Parents adding a teenage driver onto your car insurance can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • More miles equals more premium – The higher the mileage driven in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Acadia may be costing you.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Keep rates low by being claim-free – Car insurance companies give lower rates to people who do not file claims often. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Don’t assume everyone needs the same coverage

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

  • When should I buy a commercial auto policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is PIP insurance?
  • Will filing a claim cost me more?
  • Do I need rental car coverage?
  • Do I pay less for low miles?
  • Can I drive in Mexico and have coverage?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, hail damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – This will pay to fix damage to your Acadia caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Acadia.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, emergency aid and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Spend less. Save more.

Consumers change insurance companies for a number of reasons such as policy non-renewal, unfair underwriting practices, high prices or even denial of a claim. Whatever your reason, finding the right auto insurance provider can be less work than you think.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

The cheapest 2017 GMC Acadia insurance is attainable on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

To learn more, take a look at these articles: