2014 GMC Acadia Car Insurance Rates – 6 Tips to Save

Drivers have many options when trying to find affordable GMC Acadia insurance. You can either spend your time driving around to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to buy car insurance and you need to know the absolute fastest way to quote coverages for a new or used GMC and obtain the lowest possible price from both online companies and local agents.

Consumers need to get comparison quotes periodically since prices are adjusted regularly by insurance companies. If you had the best deal for Acadia coverage at your last renewal the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re going to learn the right way to find better rates and still maintain coverage.

How to get free insurance coverage quotes online

All the larger insurance coverage companies give insurance quotes from their websites. This process doesn’t take much effort as you just type in the coverages you want into a form. Once entered, the company’s rating system will order your credit score and driving record and returns a price.

Online price estimates makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in the same information is a waste of time. But it is imperative to have as many quotes as possible if you want to find the best price on insurance coverage.

A less time-consuming method to compare rates uses one form that gets prices from several different companies. It saves time, eliminates form submissions, and makes rate comparisons much easier. As soon as you send your information, it is quoted and you are able to buy any of the pricing results.

If a lower price is quoted, you simply finish the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To compare pricing, click here and complete the simple form. If you currently have coverage, we recommend you enter the coverages just like they are on your policy. Doing this guarantees you’re receiving rate quotes using the exact same coverages.

Lower-cost insurance coverage quotes with discounts

Some providers don’t always list all possible discounts very well, so we took the time to find both the well known and also the lesser-known credits that may apply to you.

  • Military Discounts – Having an actively deployed family member may lower your premium rates slightly.
  • Multiple Vehicles – Buying insurance for more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Claim Free – Insureds with no claims or accidents pay much less as compared to policyholders that have many claims.
  • Theft Deterent System – Cars and trucks with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Paper-free Discount – A handful of larger companies will discount your bill up to fifty bucks shop insurance coverage on the internet.

One last thing about discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will bring down your policy cost.

The best insurance coverage companies and a summarized list of policyholder discounts are outlined below.

  • GEICO policyholders can earn discounts including multi-vehicle, good student, seat belt use, five-year accident-free, and defensive driver.
  • MetLife may have discounts that include defensive driver, multi-policy, claim-free, accident-free, and good student.
  • State Farm may offer discounts for accident-free, good driver, good student, Steer Clear safe driver discount, multiple policy, and driver’s education.
  • Progressive includes discounts for online quote discount, multi-vehicle, good student, continuous coverage, multi-policy, and online signing.
  • Mercury Insurance offers premium reductions for multi-car, anti-theft, good student, annual mileage, and age of vehicle.
  • 21st Century may include discounts for theft prevention, 55 and older, student driver, air bags, and anti-lock brakes.
  • Allstate offers discounts including premier discount, good student, auto/life discount, anti-lock brakes, and farm vehicle.

When quoting, ask each company or agent which credits you are entitled to. Some discounts listed above might not be offered on policies in your state. To see a list of insurers with the best insurance coverage discounts, click here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Do I need replacement cost coverage?
  • What if I total my 2014 GMC Acadia and owe more than it’s worth?
  • How much liability do I need to cover my assets?
  • What is PIP insurance?
  • Does coverage extend to a rental car in a foreign country?
  • What is the ISO rating for a 2014 GMC Acadia?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Save $381 a year? Really?

Drivers get pounded daily by advertisements for cheaper auto insurance from the likes of Allstate, GEICO and Progressive. All the companies say the same thing that drivers can save some big amount if you change your policy.

How can each company sell you cheaper insurance coverage? You have to listen carefully.

Many companies quote their cheapest rates for the right customer that earns them the most money. For instance, a profitable risk profile may be a married male, has no driving citations, and does not commute to work. Anybody who matches those parameters is entitled to the best price as well as pay quite a bit less when switching companies.

Insureds who fall short of those criteria will get higher prices and the customer buying from someone else. If you listen closely, the ads state “people that switch” not “all people who quote” will save that much if they switch. That is how insurance companies can make it sound like they have such great prices.

This really illustrates why you should compare price quotes frequently. It’s not possible to predict with any certainty which company will have the lowest premium rates for your situation.

Coverage specifics

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft, hail damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage covers damage to your Acadia caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Acadia.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like hospital visits, X-ray expenses, prosthetic devices, dental work and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, bail bonds, attorney fees, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Never pay more for less

We just showed you quite a bit of information on how to shop for 2014 GMC Acadia insurance online. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. Consumers could even find that the lowest car insurance rates are with a smaller regional carrier.

Some insurance companies may not have online rate quotes and these smaller companies only sell through local independent agencies. Discount 2014 GMC Acadia insurance can be found online as well as from independent agents, so you should compare both to have the best rate selection.

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, policy non-renewal or extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies can be easier than you think.

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