2017 GMC Acadia Limited Insurance Quotes – 5 Tips for Cheaper Rates

I doubt anyone likes buying auto insurance, in particular when they are paying too much. People have many insurance companies to pick from, and even though it’s nice to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.

First Step: Get free insurance quotes

Performing a rate comparison can be a daunting task if you don’t utilize the easiest way. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program where prospective buyers send in one quote, and every company provides a quote. This eliminates the need for quote forms for each company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly which insurance companies to get pricing from. If you wish to select specific insurance companies to compare, we have a page of insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering identical coverages and limits on every quote. If you enter different values for each quote you can’t possibly determine the best price for your GMC Acadia Limited.

Get affordable insurance rates with discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so below is a list a few of the more common and the more hidden credits available to you.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Sign Online – Certain insurance companies will provide an incentive shop insurance coverage on your computer.
  • Clubs and Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on insurance.
  • Discounts for Multiple Vehicles – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride. But any discount should help reduce your policy cost.

The best insurance companies and a selection of discounts are:

  • State Farm offers discounts including anti-theft, good student, passive restraint, good driver, and student away at school.
  • Progressive may have discounts that include online quote discount, online signing, homeowner, multi-policy, multi-vehicle, and good student.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, good student, multi-vehicle, online signing, and continuous coverage.
  • MetLife has savings for defensive driver, good student, accident-free, claim-free, multi-policy, and good driver.
  • Farm Bureau has discounts for renewal discount, safe driver, multi-policy, good student, multi-vehicle, and 55 and retired.
  • Geico may offer discounts for good student, defensive driver, air bags, five-year accident-free, and federal employee.
  • SAFECO may include discounts for accident prevention training, anti-lock brakes, drive less, homeowner, and teen safe driver.

If you are trying to find cheaper insurance coverage quotes, ask each company or agent which discounts can lower your rates. A few discounts may not apply to policyholders in your area. To find insurers that provide some of the discounts listed above, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • I don’t drive much so do I pay less?
  • Do I need special endorsements for business use of my vehicle?
  • Is my 2017 GMC Acadia Limited covered for smoke damage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need motorclub coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What if I don’t agree with a claim settlement offer?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Coverage specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your GMC Acadia Limited.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses for hospital visits, EMT expenses, pain medications and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your Acadia Limited from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Auto liability insurance

This will cover damages or injuries you inflict on other people or property. 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 limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Smart shoppers get results

We covered many tips how you can shop for 2017 GMC Acadia Limited insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable insurance coverage. Consumers could even find that the lowest auto insurance rates are with a lesser-known regional company. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like Geico and State Farm.

Discount 2017 GMC Acadia Limited insurance can be sourced on the web as well as from insurance agents, so you should compare both to have the best selection. A few companies may not offer the ability to get quotes online and usually these small insurance companies sell through local independent agencies.

Additional detailed information can be found by following these links: