2016 GMC Acadia Insurance Quotes in 2024

Looking for lower insurance rates? Shoppers have lots of choices when shopping for affordable GMC Acadia insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to compare rates. There are more efficient ways to shop for insurance and we’ll show you the best way to compare rates on a GMC and locate the best price possible from both online companies and local agents.

How your Acadia insurance costs are determined

Multiple criteria are used when premium rates are determined. Some factors are common sense like an MVR report, but other factors are not as apparent such as whether you are married and annual miles driven.

The itemized list below are just a few of the factors companies use to determine prices.

• lapses raise rates – Having a gap between insurance policy dates will be a sure-fire way to increase your insurance coverage rates. In addition to paying higher premiums, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
• Consolidate policies to earn discounts – Most larger companies provide discounts to policyholders that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you qualify for this discount already, you may still want to comparison shop to verify if the discount is saving money.
• Commute or pleasure use – The higher the miles on your GMC in a year the more it will cost to insure it. The majority of insurers apply a rate based upon how the vehicle is primarily used. Autos that sit idle most of the time cost less to insure than those that get driven frequently. An incorrectly rated Acadia is throwing money out the window. It’s always a good idea to double check that your declarations sheet states annual mileage.
• Teenagers vs. older drivers – Young drivers have been known to be easily distracted behind the wheel so insurance coverage rates are higher. Adding a youthful driver to your insurance coverage policy can increase premiums substantially. Older drivers tend to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
• Credit rating impacts premium costs – A driver’s credit score is a large factor in determining what you pay for insurance coverage. If your credit rating can use some improvement, you may save money insuring your 2016 GMC Acadia by improving your rating. Insureds with high credit scores tend to be more responsible as compared to drivers with poor credit.

Buy car insurance online

There are multiple methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Many of the larger companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company then returns a price quote determined by their information. This eliminates the need for form submissions for every car insurance company.

To compare pricing enter your zip code here.

The single downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. If you would rather choose individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just do your best to use the exact same coverage information for each price quote. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your GMC Acadia.

Insurance advertisements

Consumers can’t get away from ads for cheaper insurance by 21st Century, Allstate and State Farm. All the companies convey the message that drivers can save some big amount if you change your policy.

But how can every company say the same thing?

Insurance providers have specific characteristics for the type of customer that will most likely be profitable. For instance, a preferred risk could be over the age of 50, has a clean driving record, and drives a safe vehicle. Anyone that meets those criteria will most likely get cheap premium rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall short of those standards will probably be forced to pay a more expensive rate which translates to the customer not buying. The ads state “drivers that switch” not “everyone who quotes” save that kind of money. That’s the way companies can advertise the way they do. That is why you really should compare free insurance coverage quotes often. Because you cannot predict which company will fit you best based on your risk profile.

Drivers can save with these discounts

Auto insurance companies don’t always advertise the entire discount list very well, so below is a list a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.

• Life Insurance Discount – Insurance companies who offer life insurance give a discounted car insurance rate on car insurance if you buy a life policy as well.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
• Auto/Home Discount – If you combine your auto and home policies and insure them with the same company you could save nearly 15% which can help you find the cheapest insurance coverage.
• Good Students Pay Less – Excelling in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Cautious Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on Acadia coverage as compared to drivers with claims.
• Paperless Signup – Some of the larger companies will provide an incentive for buying a policy and signing up on their website.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and some of the premium reductions they offer can be read below.

• Farmers Insurance may include discounts for good student, youthful driver, distant student, homeowner, switch companies, and business and professional.
• Esurance may have discounts that include multi-car, good driver, DriveSense, good student, online shopper, Pac-12 alumni, and claim free.
• State Farm policyholders can earn discounts including multiple autos, accident-free, student away at school, good student, passive restraint, safe vehicle, and Steer Clear safe driver discount.
• GEICO has discounts for anti-theft, seat belt use, membership and employees, multi-policy, and multi-vehicle.
• Allstate discounts include anti-theft, safe driver, defensive driver, utility vehicle, FullPay discount, and premier discount.

If you are trying to find cheaper insurance coverage quotes, ask all the companies to give you their best rates. Savings may not be available in your area. For a list of car insurance companies with discount rates, enter your zip code here.

Special considerations

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

• Are rock chip repairs covered?
• Can I afford to pay high deductible claims out of pocket?
• Should I have combined single limit or split liability limits?
• Is upholstery damage covered by car insurance?
• Do I have coverage if my license is suspended?
• When should my teen driver be added to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Acadia.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, doctor visits, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance

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

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 policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, falling objects and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

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

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Smart consumers save more

We’ve covered a lot of ways to save on 2016 GMC Acadia insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone sacrificed full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

People switch companies for a variety of reasons including policy non-renewal, lack of trust in their agent, delays in responding to claim requests or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.