2016 GMC Acadia Car Insurance Rates

Did a good deal turn into an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone.

Popular companies such as State Farm, Geico and Farmers Insurance all claim big savings with ad campaigns and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

Consumers should take time to compare rates before your policy renews because auto insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on Acadia insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

If you currently have car insurance, you will be able to save some money using this information. Finding the best rates is easy if you know what you’re doing. But drivers benefit from understanding the methods companies use to price online insurance and apply this information to your search.

Find discounts to get cheap insurance coverage quotes

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so we took the time to find both the well known as well as some of the hidden savings tricks you should be using when you buy insurance online.

  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings because owning a home requires a higher level of personal finance.
  • Multi-line Discount – Larger insurance coverage companies have lower premium rates if you buy a life insurance policy as well.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to scrutinize where and when they drive through the use of a telematics system such as State Farm’s In-Drive could save a few bucks as long as they are good drivers.
  • Mature Driver Discount – Mature drivers may be able to get a discount up to 10% on Acadia insurance.
  • E-sign – A few larger online companies may give you up to $50 for buying a policy and signing up on their website.
  • Driver Education Discount – Teen drivers should successfully complete driver’s ed class in school.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower prices.

You should keep in mind that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help lower your policy cost.

To see a list of providers who offer insurance coverage discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have newly-aquired coverage?
  • If my 2016 GMC Acadia is totaled, can I afford another vehicle?
  • Can my teen drive my company car?
  • How can I get high-risk coverage after a DUI?
  • Do all my vehicles need collision coverage?
  • Does liability extend to a camper or trailer?
  • What is medical payments coverage?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage breakdown

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, theft, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox, driving through your garage door, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, ambulance fees and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – This can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2016 GMC Acadia.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Power to the consumer

Some companies do not offer online price quotes and usually these smaller providers provide coverage only through local independent agencies. Lower-priced 2016 GMC Acadia insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to regret that it was a big mistake. The aim is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Additional information