2013 GMC Acadia Car Insurance Rates – 10 Discounts for Cheaper Quotes

There isn’t anyone who looks forward to paying premiums for insurance, in particular when the price is too high.

Big-name insurance companies like Allstate and Progressive all promote huge savings with advertising and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

You should make it a habit to take a look at other company’s rates before your policy renews because prices change frequently. Even if you got the best deal for Acadia insurance six months ago you can probably find a better premium rate now. Forget all the misinformation about insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. Choosing the best insurance company for you is not that difficult. But car owners benefit from understanding the way companies sell insurance online and use this information to your advantage.

The most recommended method to compare rate quotes is to know the fact most of the larger companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is give them rating details such as level of coverage desired, which vehicles you own, an estimate of your credit level, and how old drivers are. That information is instantly sent to all major companies and they return quotes immediately.

Lower-cost car insurance quotes with discounts

Some providers don’t necessarily list all disounts in a way that’s easy to find, so the below list has some of the best known and the more hidden ways to save on car insurance.

• Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
• Auto/Home Discount – If you combine your home and auto policies with the same company they may give you a discount of up to 20% and get you cheaper insurance coverage.
• Early Signing – A few car insurance companies give discounts for switching companies prior to the expiration date on your current policy. This can save 10% or more.
• Low Mileage Discounts – Keeping the miles down on your GMC may allow you to get lower prices on the low mileage vehicles.
• Driver Education Discount – Have your child enroll and complete driver’s education in school.
• Senior Discount – If you’re over the age of 55, you may receive a slight reduction on a insurance coverage quote for Acadia insurance.
• Sign Online – A few insurance companies will give you a small discount for buying a policy and signing up over the internet.
• Club Memberships – Being in certain professional organizations can get you a small discount on your next car insurance statement.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Acadia insurance than less cautious drivers.

As is typical with insurance, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

The best car insurance companies and their offered discounts include:

• Geico offers premium reductions for five-year accident-free, defensive driver, air bags, daytime running lights, seat belt use, and multi-policy.
• MetLife has discounts for defensive driver, multi-policy, accident-free, claim-free, good driver, good student
• Progressive has savings for online signing, multi-vehicle, homeowner, good student, and continuous coverage.
• Travelers may include discounts for early quote, home ownership, good student, driver training, save driver, payment discounts, and hybrid/electric vehicle.
• SAFECO may have discounts that include teen safety rewards, anti-theft, accident prevention training, bundle discounts, anti-lock brakes, multi-car, and drive less.
• AAA includes discounts for multi-car, pay-in-full, anti-theft, education and occupation, and good driver.

If you need the cheapest insurance coverage quotes, ask each company how many discounts you can get. Some discounts listed above may not apply to policies in your area. To view insurers who offer free car insurance quotes, click here to view.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from professional advice.

• Is business property covered if stolen from my car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is the ISO rating for a 2013 GMC Acadia?
• Can I rate high risk drivers on liability-only vehicles?
• Does having multiple vehicles earn me a discount?
• Are my friends covered when driving my car?
• Are my friends covered when driving my 2013 GMC Acadia?
• Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Liability coverage – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like funeral expenses, court costs, medical services and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for hospital visits, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Acadia from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, crashing into a building, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Pennies from heaven

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best possible price while still protecting your assets.

We just covered quite a bit of information on how to get a better price on 2013 GMC Acadia insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. You may even discover the lowest priced auto insurance comes from the least-expected company. These smaller insurers may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive and Geico.

More detailed auto insurance information can be read by following these links:

• Think You’re a Safe Driver? (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Determing Auto Insurance Rates (Geico)