2013 GMC Acadia Insurance Rates

Want the cheapest car insurance rates for your GMC Acadia? Have you finally had enough of sacrificing to buy car insurance? You are in the same boat as most other vehicle owners.

Online insurance companies like Allstate and Progressive constantly blast consumers with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

The best way we recommend to compare policy rates takes advantage of the fact most of the bigger providers have advanced systems to quote your coverage. To get started, all you need to do is provide information like if you have an active license, if you went to college, your general credit rating, and if a SR-22 is needed. Your insurance information is submitted instantly to multiple different insurance companies and you get price estimates within a short period of time.

To find lower rates now, click here and enter your zip code.

Auto Insurance Discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you get a quote, but once in a while a discount must be specially asked for prior to receiving the credit. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Buy New and Save – Buying auto insurance coverage on a new vehicle can cost up to 25% less because newer models are generally safer.
  • Auto/Life Discount – Auto insurance companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Low Mileage – Fewer annual miles on your GMC may allow you to get slightly better auto insurancerates than normal.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education if it’s offered in school.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on auto insurance.
  • Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.

It’s important to note that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, you aren’t that lucky. But all discounts should definitely cut your premiums.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm offers discounts including safe vehicle, good student, good driver, defensive driving training, Steer Clear safe driver discount, and multiple autos.
  • Esurance has discounts for anti-lock brakes, good driver, multi-car, defensive driver, and safety device.
  • Progressive offers premium reductions for homeowner, good student, multi-vehicle, continuous coverage, and multi-policy.
  • Liberty Mutual discounts include new graduate, preferred payment discount, safety features, new vehicle discount, and exclusive group savings.
  • Auto-Owners Insurance policyholders can earn discounts including anti-theft, mature driver, anti-lock brakes, company car, and student away at school.
  • Geico may offer discounts for air bags, military active duty, multi-policy, good student, and anti-lock brakes.

Check with each insurance company which credits you are entitled to. Some discounts listed above might not be offered in your area. To see insurers offering auto insurance discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs may require specific advice.

  • How do I insure my teen driver?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving in Canada or Mexico?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I benefit by insuring my home with the same company?
  • When should I remove comp and collision on my 2013 GMC Acadia?
  • Am I covered if I hit a deer?
  • Does liability extend to a camper or trailer?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, vandalism, a broken windshield, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, court costs, medical expenses, loss of income and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, X-ray expenses, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your Acadia caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, crashing into a building, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.