2014 GMC Acadia Insurance Quotes

Trying to find better insurance rates for your GMC Acadia? Finding the lowest price insurance may be intimidating for drivers not familiar with buying their insurance on the internet. With a ridiculous number of insurance companies available, how can drivers have time to compare every possible option in order to find the lowest rates?

Smart buyers can reduce their insurance rates

Lots of factors are taken into consideration when you get your auto insurance bill. Some are obvious such as your driving record, although others are more transparent like your vehicle usage or your financial responsibility.When buying insurance it’s important to understand the factors that go into determining the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that may reward you with cheaper rates.

The items below are most of the major factors used by insurance companies to determine prices.

  • Low credit history equals high rates – Having a bad credit score is likely to be a major factor in determining what you pay. Insureds with excellent credit scores tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2014 GMC Acadia by repairing your credit.
  • Being married is a bonus – Getting married can get you a discount on your insurance bill. Having a spouse is viewed as being more stable financially and it’s proven that married drivers tend to file fewer claims.
  • Gender and insurance coverage prices – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Females and males get in auto accidents at a similar rate, but the men tend to have more serious accidents. Not only are claims higher, but men get more serious tickets like DUI and reckless driving.
  • An active policy claims history can cost more – Insurance companies provide the lowest premiums to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Auto insurance policy discounts you can’t miss

Auto insurance companies don’t always advertise every available discount in an easy-to-find place, so the list below gives a summary of both the well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

  • Membership in Organizations – Joining a civic or occupational organization could qualify you for a break on your next renewal.
  • Military Deployment Discount – Having an actively deployed family member could qualify you for better auto insurance rates.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • Resident Student – Kids who are attending college and don’t have a car may qualify for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Homeowners Pay Less – Just being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Low Miles Discount – Low mileage vehicles could qualify for cheaper prices.

A quick disclaimer, most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts should definitely cut the cost of coverage.

A few companies that may have some of the above discounts are:

When quoting, ask each company how you can save money. Some credits might not be offered in every state. If you would like to view providers that offer the discounts shown above, click this link.

Save $392 a year! What?

Car insurance companies such as State Farm, GEICO and Progressive endlessly run ads in print and on television. They all seem to advertise the message that drivers can save some big amount if you change your car insurance coverage to their company. Is it even possible that every company can lower your premium rates? Just pay attention to how they say it.

Insurance companies have specific guidelines for the type of driver that is profitable for them. A good example of a desirable risk might be over the age of 50, has a clean driving record, and drives newer vehicles. A driver who fits that profile will qualify for the lowest auto insurance rates and will also pay quite a bit less when switching companies.

Potential customers who don’t measure up to these standards will be quoted a higher rate and ends up with the customer not purchasing. The trick is to say “people that switch” but not “everyone who gets a quote” save the amount stated. This is how companies can truthfully make claims that they all have the best rates. This illustrates why drivers should do a price quote comparison at every renewal. Because you cannot predict with any certainty which company will provide you with the cheapest prices.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can I cancel my policy?
  • Should I bundle my homeowners policy with my auto?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company won’t pay a claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I still get insurance after a DUI?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage pay for bills for pain medications, nursing services, X-ray expenses, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover 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 might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2014 GMC Acadia.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, theft, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny earned…

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Lower-priced insurance coverage can be bought both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not have internet price quotes and these regional carriers provide coverage only through independent insurance agents.

In this article, we covered some good ideas how you can reduce 2014 GMC Acadia insurance rates online. The key thing to remember is the more you quote insurance, the better likelihood of getting the cheapest insurance. You may even discover the best rates are with an unexpected company.

Additional information can be read on the following sites: