2016 GMC Acadia Car Insurance Quotes

I doubt anyone gets a kick out of paying for insurance, especially when they know the price is too high. Companies like State Farm, Progressive and Geico promote their brand names with TV and radio ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

How to buy car insurance

Most larger insurance companies make it easy to get price estimates directly from their websites. Comparing prices online is quite simple as you just type in the amount of coverage you want into the form. After you complete the form, the system sends out for your credit score and driving record and quotes a price. This makes it easy to compare insurance prices but the work required to visit a lot of sites and type in the same information is a big time waster. But it’s absolutely necessary to get many rate quotes if you are searching for better prices.

There is a better way!

The preferred way to compare car insurance pricing makes use of a single form to obtain quotes from several different companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable. As soon as you send your information, it is quoted and you can select your choice of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To compare rates now, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as close as possible to your current policy. This way, you will have rate comparison quotes based on identical coverages.

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Buyer beware of auto insurance advertising tricks

Consumers can’t get away from all the ads for cheaper auto insurance from companies such as Progressive, Allstate and Geico. All the companies advertise claims about savings after switching your auto insurance policy to them.

How do they all say the same thing?

Many companies look for specific characteristics for the right customer that earns them the most money. For example, a driver they prefer could be between the ages of 30 and 45, has other policies, and has a short commute. Someone that hits that “sweet spot” will get very good car insurance rates as well as cut their rates if they switch.

Drivers who are not a match for these stringent criteria will be quoted a higher premium and the customer not buying. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can make those claims. This illustrates why drivers must get car insurance quotes as often as possible. Because you cannot predict the company that will fit you best based on your risk profile.

GMC Acadia insurance cost factors

Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are not quite as obvious such as your marital status or how safe your car is.

The following are some of the most common factors companies use to determine prices.

• Increase deductibles to save – Physical damage coverage, also called ‘full coverage’, insures against damage to your GMC. A few examples of covered claims would be a broken windshield, damage caused by hail, and damage from a fallen tree branch. Your deductibles define the amount you are required to spend before a claim is paid by your company. The more you have to pay, the less money you will pay for insurance for Acadia coverage.
• Men drivers tend to cost more – Statistics demonstrate females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Females and males cause at-fault accidents in similar numbers, but the men cause more damage. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Prevent theft and save – Buying a car with an alarm system can get you a discount on your insurance. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
• Vocation stress can affect insurance rates – Careers such as military personnel, business owners and financial analysts generally have higher rates than average due to stressful work requirements and long work hours. On the other hand, jobs such as actors, historians and retirees generally pay rates lower than average for Acadia coverage.
• Annual miles is a factor – The more miles you rack up on your GMC in a year’s time the higher your rates will be. The majority of insurers apply a rate partially by how you use the vehicle. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Incorrect rating for your Acadia can cost quite a bit. It’s a good idea to make sure your insurance declarations sheet is rated on the correct usage for each vehicle.
• Don’t cancel your coverage without a new one in place – Driving without insurance is not a good idea and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance may earn you fines and jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Do you really need to file that insurance claims? – Auto insurance companies award the best rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is intended for claims that you cannot pay yourself.
• Single drivers take more risk – Your spouse may save some money on your insurance policy. Having a significant other generally demonstrates drivers are more responsible and statistics prove being married results in fewer claims.

Save with these discounts

Not too many consumers would say car insurance is affordable, but you can get discounts that could help you make your next renewal payment. A few discounts will be applied at the time of purchase, but some may not be applied and must be asked about before they will apply.

• Defensive Driver Discount – Taking time to complete a class that teaches defensive driving techniques could cut 5% off your bill and easily pay for the cost of the class.
• Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for Acadia coverage as compared to drivers with claims.
• Air Bag Discount – Options like air bags or motorized seat belts can get savings of up to 25% or more.
• Paperwork-free – A few companies provide a small discount just for signing your application on your computer.
• Mature Driver Discount – Older drivers may qualify for a discount up to 10% for Acadia coverage.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10 to 15 percent or more.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy a life insurance policy as well.
• Early Switch Discount – Some car insurance companies provide a discount for switching companies prior to the expiration date on your current policy. This can save 10% or more.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your policy premiums.

Companies that possibly offer these money-saving discounts may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Check with each insurance company what discounts are available to you. Some credits might not be offered in your state. For a list of providers offering car insurance discounts, click here.

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Special considerations

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions might point out whether your personal situation might need an agent’s assistance.

• Am I covered if I hit my neighbor’s mailbox?
• At what point should I drop full coverage?
• Should I sign the liability waiver when renting a car?
• What is high-risk coverage and where do I buy it?
• Who is covered by my policy?
• Does medical payments coverage apply to all occupants?
• Why does it cost so much to insure a teen driver?
• Am I getting all the discounts available?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as doctor visits, prosthetic devices, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your GMC Acadia.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision – This covers damage to your Acadia resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, colliding with a tree, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages – This can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as loss of income, repair bills for other people’s vehicles, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Quote more, save more

You just learned a lot of tips how to reduce 2016 GMC Acadia insurance premium rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Lower-priced insurance is possible online and from local agencies, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide price quotes online and usually these regional insurance providers only sell coverage through independent insurance agents.

Helpful resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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