2017 GMC Acadia Car Insurance Rates

Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers.

Popular companies such as State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Finding affordable coverage is not that difficult. But car owners must learn the way companies sell online and use this information to your advantage.

Save money by taking advantage of these discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden auto insurance savings.

  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn better rates on cars that stay parked.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Acadia coverage than drivers with accident claims.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of providers with the best auto insurance discounts, click this link.

Insurance Comparisons

There are multiple methods to compare 2017 GMC Acadia insurance prices but one way is easier and takes less work. You could waste time discussing policy coverages with agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program that enables customers to send in one quote, and each company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To submit your quote information now, click here to open in new window.

The only downside to comparing rates this way is that consumers can’t choose which providers you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare the exact same information with every price quote. If each company quotes different liability limits it will be impossible to find the best deal for your GMC Acadia. Quoting even small variations in coverage limits could mean much higher rates. Keep in mind that having more price comparisons gives you a better chance of getting the best price.

When should I use an insurance agent?

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • Why am I required to get a high-risk car insurance policy?
  • Is my babysitter covered when using my vehicle?
  • When do I need to add a new car to my policy?
  • Should I carry comprehensive and collision coverage?
  • Is upholstery damage covered by car insurance?
  • When should I not file a claim?
  • How does medical payments coverage work?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your GMC Acadia.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Acadia from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hail damage, fire damage, a broken windshield and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, loss of income, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Be a smart shopper

In this article, we presented a lot of information how to shop for 2017 GMC Acadia insurance online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

Lower-priced insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

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