Finding economical auto insurance for a GMC Acadia relies on a complicated rating formula that uses factors such as your age, if you have prior claims, and citations on your driving record. Drivers pay approximately $1,233 each year to insure their Acadia, but that figure is an estimate based upon a 40-year-old married female driver with full coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you may not be 40 years old (or even female), maybe you are single instead of married, or maybe you rent instead of own your home. Having what appears to be a very minor change in the criteria used to calculate rates could result in a significant change in the cost of a policy.
Everyone has unique insurance needs, and this illustrates why the only way to find cheap auto insurance rates for your GMC is to just compare rates yourself.
The trim level of your vehicle has an effect on the annual cost of coverage, so the rate you will pay to insure a Acadia SL 2WD will be $176 cheaper than the price to insure the more expensive Acadia SLT AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$256||$464||$464||$28||$138||$1,350||$113|
|Acadia SL AWD||$294||$464||$464||$28||$138||$1,388||$116|
|Acadia SLE 2WD||$294||$464||$464||$28||$138||$1,388||$116|
|Acadia SLE AWD||$294||$564||$464||$28||$138||$1,488||$124|
|Acadia SLT 2WD||$294||$564||$464||$28||$138||$1,488||$124|
|Acadia SLT AWD||$332||$564||$464||$28||$138||$1,526||$127|
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific location which can modify rates noticeably.
Finding decent, cheap car insurance is easier said than done, and deciding which company quotes the most affordable auto insurance rates for a GMC Acadia may require even more rate comparisons. Each company uses different criteria for determining rates, so let’s begin by examining the overall cheapest auto insurance companies in Fresno, CA.
It’s important to understand that Fresno auto insurance rates are impacted by many factors that may substantially change the price you pay. Simply turning a year older, buying a higher-value vehicle, or getting a driving violation can trigger rate changes that can make some companies more expensive than before.
Compare Cheap Insurance Quotes for Your Acadia
|Rank||Company||Cost Per Year|
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USAA may have some of the cheapest car insurance rates in Fresno at around $1,155 each year. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheapest Fresno, CA auto insurance companies.
As the example above demonstrates, if you are currently insured with Wawanesa and switched to USAA, you might achieve an annual savings of upwards of $37. Policyholders with CSAA could save as much as $43 a year, and Nationwide insureds might reduce prices by as much as $58 a year.
Bear in mind that those rates are averages across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for a GMC Acadia. So the car insurance company that fits your needs best may not even be in the top 24 companies in the list above. That illustrates why you need to get rate quotes using your own driver and vehicle profiles.
Get discount Fresno insurance
Car insurance companies that offer cheap quotes for a GMC Acadia may have special discounts that can reduce rates by 25% or more if you meet specific criteria. A few of the larger companies and their offered discounts are:
- Farmers Insurance offers premium reductions for alternative fuel, switch companies, multi-car, pay in full, and mature driver.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, multiple autos, defensive driving training, and anti-theft.
- Liberty Mutual may include discounts for preferred payment discount, new vehicle discount, newly married, multi-policy, and new move discount.
- MetLife offers discounts for claim-free, good student, defensive driver, accident-free, good driver, multi-policy
- Progressive offers discounts including online signing, homeowner, continuous coverage, multi-vehicle, multi-policy, online quote discount, and good student.
The example below shows the comparison of insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, safe-driver, anti-theft, multiple vehicle, accident-free, and defensive driving course discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a GMC Acadia is 28% or $832.
Should you buy full coverage?
Finding the cheapest auto insurance is probably important to most people, and an easy way to find cheaper insurance for a GMC Acadia is to only pay for liability coverage. The information below illustrates the difference between car insurance costs with liability coverage only compared to full coverage. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
On average, full coverage on your policy costs $2,502 per year more than just buying liability only. Many of you may wonder if paying for full coverage is worth it. There is no written rule of when to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s replacement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $11,000 after the policy deductible has been paid. If you are paying over $1,100 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
The example below shows how choosing a deductible can influence insurance rates when trying to find cheap insurance for a GMC Acadia. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could reduce rates by $362 a year by switching from a $100 deductible to a $500 deductible, or save $546 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates $1,190 each year by choosing a higher deductible. If you do decide to increase your deductibles, it will be necessary to have additional savings on hand to offset the extra out-of-pocket expense that is associated with using high deductibles.
The insurance agencies below can probably help you make a decision which coverages are best, as some people have coverage questions and would like to have some advice when comparing insurance rates for a GMC Acadia. It can be complicated to find the best coverage yourself, so using a licensed agent can add comfort knowing you have adequate protection. To locate an agency close to where you live, click the button below the list or click here to compare prices now.
Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165
James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722
Bob Perry – State Farm Insurance Agent
3210 E Shields Ave #6 – Fresno, CA 93726 – (559) 224-4546
Mc Carty Insurance Inc: Mc Carty Chad R
1625 Shaw Ave # 111 – Fresno, CA 93710 – (559) 324-1421