2019 GMC Acadia Insurance Cost in 2024 – 7 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Drivers have many options when trying to find the lowest priced GMC Acadia insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to get rate quotes. There is a better way to buy auto insurance and you need to know the quickest way to compare rates for a GMC and obtain the lowest possible price from local insurance agents and online providers.

Seven discounts to earn cheap auto insurance rates

Some companies don’t list all discounts very well, so the list below contains a few of the more common and also the more inconspicuous credits available to you.

  • Discount for Low Mileage – Fewer annual miles on your GMC could be rewarded with lower rates on the low mileage vehicles.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • New Car Discount – Adding a new car to your policy may earn a small discount because new model year vehicles are generally safer.
  • Renewal Discounts – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Professional Organizations – Belonging to a qualifying organization could earn you a nice discount on auto insurance.
  • Paperwork-free – A few auto insurance companies will give you a small discount shop auto insurance online.
  • Seat Belt Usage – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts include:

  • Travelers policyholders can earn discounts including good student, home ownership, hybrid/electric vehicle, continuous insurance, payment discounts, student away at school, and driver training.
  • 21st Century has discounts for anti-lock brakes, homeowners, student driver, good student, air bags, and teen driver.
  • State Farm offers premium reductions for driver’s education, defensive driving training, multiple policy, multiple autos, good student, anti-theft, and student away at school.
  • GEICO includes discounts for five-year accident-free, membership and employees, multi-policy, good student, and driver training.
  • SAFECO may include discounts for anti-theft, safe driver, homeowner, multi-car, anti-lock brakes, and bundle discounts.
  • AAA discounts include AAA membership discount, multi-car, pay-in-full, good student, anti-theft, good driver, and multi-policy.

When getting a coverage quote, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply everywhere. If you would like to choose from a list of providers who offer cheap auto insurance quotes, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

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

  • What is the difference between comprehensive and collision coverage?
  • What is high-risk coverage and where do I buy it?
  • Should I waive the damage coverage when renting a car?
  • Am I getting all the discounts available?
  • Does liability extend to a camper or trailer?
  • When does my teenage driver need to be added to my policy?
  • Where can I find high-risk insurance?
  • Who is covered by my policy?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but you know they 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 your zip code. It is quick, free and you can get the answers you need.

Why you might not save $419 a year

Consumers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all advertise claims that you’ll save big if you get a free auto insurance quote and switch to their company.

How does each company charge you less for car insurance? Just pay attention to how they say it.

Insurance providers can use profiling for the type of driver they prefer to insure. One example of a preferred risk could be over the age of 45, has no claims, and drives a safe vehicle. A driver who fits those characteristics will get the preferred premium rates and will save when switching.

Potential insureds who fall short of these stringent criteria will probably have to pay higher premiums and this can result in business going elsewhere. The trick companies use is to say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently advertise the savings. This really illustrates why you need to compare quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will fit your personal profile best.

Auto insurance coverage information

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

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Acadia.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for rehabilitation expenses, dental work and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This coverage will cover damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, hitting a deer, hitting a bird, a broken windshield and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your Acadia from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, rolling your car, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

You just learned a lot of information how to get a better price on 2019 GMC Acadia insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.

People change insurance companies for a variety of reasons including high prices, lack of trust in their agent, an unsatisfactory settlement offer and even extreme rates for teen drivers. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

When you buy auto insurance online, you should never skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.

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