How Much Does 2018 GMC Acadia Car Insurance Cost?

If shopping for insurance coverage quotes online is new to you, it’s easy to be baffled by the vast number of companies competing for business.

These discounts can cut insurance rates

Some providers don’t always list all possible discounts in a way that’s easy to find, so the below list has some of the best known and the more hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Acadia insurance with some insurance companies.
  • No Claims – Insureds with no claims or accidents get the best insurance rates compared to insureds who have frequent claims or accidents.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Air Bag Discount – Factory air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Bundled Policy Discount – If you combine your auto and homeowners policies with one insurance company you could get a discount of up to 20% off your total premium.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

The best insurance companies and their possible discounts are:

  • The Hartford offers discounts including bundle, air bag, anti-theft, driver training, and vehicle fuel type.
  • American Family may offer discounts for accident-free, good driver, Steer into Savings, defensive driver, air bags, early bird, and bundled insurance.
  • Progressive includes discounts for online quote discount, homeowner, good student, multi-policy, and multi-vehicle.
  • Travelers may have discounts that include new car, home ownership, student away at school, save driver, IntelliDrive, and good student.
  • Farmers Insurance policyholders can earn discounts including multi-car, good student, electronic funds transfer, early shopping, homeowner, distant student, and business and professional.
  • USAA discounts include annual mileage, defensive driver, vehicle storage, military installation, family discount, and driver training.
  • Liberty Mutual has savings for new graduate, newly married, new vehicle discount, good student, and new move discount.

Before purchasing a policy, check with every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. To see insurance companies that have a full spectrum of discounts, follow this link.

Buy insurance coverage online

To find cheap insurance coverage quotes, there are several ways of comparing rates from all the different companies. One of the best ways to do a complete rate comparison consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find low rates is a comparison rater form like this one (opens in new window). This form prevents you from having to do multiple quote forms for each price estimate. Completing one form compares rates from insurance coverage companies with the best prices.It’s the quickest way to get rates.
  2. Another way to shop for insurance coverage online requires you to visit the website for every company you want to comare and repeat the quote process again and again. For instance, let’s assume you want to compare USAA, GEICO and Progressive. You would need to go to each individual site and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the same information with every price quote. If you have higher or lower deductibles you can’t possibly make an equal comparison. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that having more price comparisons gives you a better chance of getting lower pricing.

How insurance providers calculate GMC Acadia insurance premiums

When buying insurance coverage it’s important to understand the different types of things that help calculate your policy premiums. If you understand what determines premiums, this helps enable you to make changes that may reward you with lower rates.

Shown below are some of the most rate-impacting factors used by insurance companies to determine your premiums.

  • Higher rates for specific employers – Jobs like lawyers, business owners and medical professionals generally have the highest average rates in part from job stress and incredibly demanding work hours. Conversely, jobs such as scientists, historians and performers pay lower than average rates for Acadia insurance.
  • Gender matters – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean females are better at driving than males. Females and males cause fender benders at about the same rate, but the males get into accidents with more damage. Men also statistically get ticketed for serious violations such as reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and thus pay the highest rates.
  • Maintain insurance coverage coverage – Driving without insurance is not a good idea and insurance coverage companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance may result in a license revocation or jail time.
  • How much liability – The liability section of your policy provides coverage when you are determined to be liable for causing personal injury or damage in an accident. Liability provides legal defense which can cost a lot. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

When do I need an agent’s advice?

When choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine if your situation might need professional guidance.

  • Do I have newly-aquired coverage?
  • When should I remove comp and collision on my 2018 GMC Acadia?
  • Should I bundle my homeowners policy with my auto?
  • Is extra glass coverage worth it?
  • Will my insurance pay for OEM parts?
  • Is my 2018 GMC Acadia covered for smoke damage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, legal defense fees, repair costs for stationary objects, court costs and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 2018 GMC Acadia.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your Acadia resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, rock chips in glass, falling objects, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, nursing services, X-ray expenses, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Save your hard earned cash

As you prepare to switch companies, do not reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your objective should be to buy enough coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, questionable increases in premium or denial of a claim. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

You just read a lot of ways to get a better price on 2018 GMC Acadia insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premium rates come from a small local company.

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