Compare 2010 GMC Acadia Insurance Rates

Searching for the cheapest insurance rates for your GMC Acadia? Have you finally had enough of scraping the payment together to buy insurance? You are in the same boat as the majority of other drivers.

Insurance companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with ad campaigns and it is difficult to separate fact from fiction and do the work needed to find the best deal.

Double check you’re getting these discounts

Some companies don’t list their entire list of discounts in an easy-to-find place, so the next list breaks down some of the best known and the harder-to-find discounts that may be available.

  • Active Military Service – Having a family member in the military can result in better prices.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Acadia insurance than drivers with accidents.
  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive lower premium rates on Acadia insurance.
  • Low Mileage Discounts – Keeping the miles down on your GMC could qualify for slightly better prices than normal.
  • More Vehicles More Savings – Insuring several vehicles on a single policy may reduce the rate for each vehicle.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of companies that offer the discounts shown above, click here to view.

First Step: Get free insurance coverage quotes

There are a lot of ways you can shop for insurance coverage but one way is easier and takes less work. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get prices fast.

Many of the larger companies participate in an industry program that allows shoppers to complete one form, and each company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To find out what other companies charge click to open in new window.

The only drawback to using this type of system is you can’t choose which providers you will receive quotes from. If you wish to select from a list of companies to request quotes from, we have a listing of companies who write insurance coverage in your area. Click here to view list.

Compare rates however you want, just make sure you compare exactly the same deductibles and coverage limits with every price quote. If the quotes have differing limits it will be impossible to make a fair comparison for your GMC Acadia. Just a small difference in insurance coverages or limits could throw off the whole comparison. Keep in mind that more quotes helps improve the odds of finding the best price. Some insurance companies are not set up to provide rate quotes online, so you need to compare prices from the smaller companies as well.

Special considerations

When choosing adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Can my babysitter drive my car?
  • Is there coverage for injuries to my pets?
  • Can my teen drive my company car?
  • How do I buy GAP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is motorclub coverage worth it?
  • Who is covered by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • I don’t drive much so do I pay less?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, legal defense fees, pain and suffering, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

More comparisons equals lower rates

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Cost effective 2010 GMC Acadia insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide online quoting and most of the time these regional insurance providers provide coverage only through independent insurance agents.

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