Compare 2018 GMC Acadia Car Insurance Quotes

Feel like you’re a prisoner to high-priced auto insurance? Don’t feel bad because there are many people just like you.

Having so many options when it comes to auto insurance, it’s difficult to locate the right company.

How much is insurance?

Comparing insurance rates can be a daunting task if you don’t understand the fastest way to get free quotes. You could waste time talking to local insurance agents in your area, or you could use online quoting to maximize your effort.

Many companies belong to a marketplace where prospective buyers send in one quote, and each company returns a rated price. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To use this form to compare rates click here (opens in new window).

The one disadvantage to getting quotes like this is you don’t know exactly which companies you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write insurance in your area. Click here to view list.

Compare rates however you want, just do your best to use equivalent coverages and limits with each company. If you have different coverage information it will be very difficult to make a fair rate comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. Keep in mind that quoting more provides better odds of finding the best price.

Discounts for cheap insurance rates

Some insurance providers don’t always publicize every discount in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Defensive Driver Discount – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Acadia coverage but check with your company.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may get savings up to 30%.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • E-sign – A handful of larger companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Senior Discount – Older drivers may qualify for a small discount on rates on Acadia coverage.
  • Claim Free – Insureds with no claims or accidents can earn big discounts when compared to accident-prone drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your GMC can earn cheaper insurancerates.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% on Acadia coverage than less cautious drivers.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

A partial list of companies that may include most of these discounts include:

Before you buy a policy, ask each insurance company to give you their best rates. All car insurance discounts might not be available to policyholders in your area. To find insurance companies that provide some of the discounts listed above, click this link.

You may need specialized insurance coverage coverage

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Am I covered if I crash into my own garage door?
  • Will filing a claim cost me more?
  • What is PIP insurance?
  • Does liability extend to a camper or trailer?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my 2018 GMC Acadia covered for flood damage?
  • What is UM/UIM insurance?
  • Should I buy only the required minimum liability coverage?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage options for a GMC Acadia

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, funeral costs and dental work. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, court costs, pain and suffering, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – This coverage pays for damage to your Acadia resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, theft, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your GMC Acadia.

Because many people 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 important protection for you and your family.

Don’t be a big spender

We covered a lot of information how to save on 2018 GMC Acadia insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

Even more information is located at these sites: