Cheap GMC Acadia Insurance in Sacramento

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GMC Acadia insurance
GMC Acadia insurance image courtesy of QuoteInspector.com

Insurance for GMC AcadiaIf saving the most money is your goal, then the best way to save money on auto insurance rates is to start comparing rates regularly from companies in Sacramento. Price quotes can be compared by following these steps.

Step 1: Read about what coverages are included in your policy and the things you can control to drop your rates. Many rating factors that result in higher prices like your driving record and a poor credit score can be controlled by paying attention to minor details.

Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple sources.

Step 3: Compare the new rates to your existing rates to see if a cheaper price is available. If you find a lower rate, make sure coverage is continuous and does not lapse.

Step 4: Notify your company or agent of your intention to cancel the current policy. Submit payment and a completed application to your new carrier. Make sure you put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

A valuable tip to remember is to compare identical coverage information on each price quote and and to get rate quotes from as many car insurance companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.

Astonishing but true, a large majority of drivers have purchased from the same company for at least four years, and almost 40% of drivers have never taken the time to shop around. Many consumers in America can cut their rates by up to $859 a year by just shopping around, but they don't want to spend time to compare rates and save money.

Get cheaper GMC Acadia insurance rates in Sacramento

The price of auto insurance can be rather high, but you might be missing out on some discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but once in a while a discount must be inquired about before being credited. If they aren't giving you every credit possible, you are not getting the best rate possible.

  • Sign Online - Some larger companies will give you a small discount simply for signing on the web.
  • College Student - Youth drivers who attend college more than 100 miles from Sacramento and leave their car at home may be insured at a cheaper rate.
  • Sacramento Homeowners Pay Less - Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Discount for Low Mileage - Fewer annual miles on your GMC can earn slightly better prices than normal.
  • Seat Belts Save - Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Data Collection Discounts - Policyholders that allow driving data collection to scrutinize when and where they use their vehicle remotely such as Progressive's Snapshot might get better premium rates if they show good driving skills.

Discounts save money, but please remember that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you won't be that lucky.

The diagram below shows the comparison of GMC Acadia insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • Progressive discounts include online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • MetLife includes discounts for multi-policy, accident-free, claim-free, good driver, good student, and defensive driver.
  • Mercury Insurance offers premium reductions for age of vehicle, multi-car, location of vehicle, annual mileage, and good driver.
  • Nationwide may have discounts that include accident-free, family plan, multi-policy, defensive driving, good student, easy pay, and anti-theft.
  • GEICO has discounts for emergency military deployment, membership and employees, air bags, daytime running lights, and five-year accident-free.
  • AAA offers discounts for good driver, multi-policy, good student, multi-car, pay-in-full, and education and occupation.

When comparing rates, check with each company or agent which discounts they offer. Discounts may not apply to policies in every state. To see a list of car insurance companies that provide some of the discounts listed above in California, click here.

Finding cheaper GMC Acadia insurance rates isn't really that difficult. You just have to spend a few minutes on the computer comparing free Sacramento car insurance quotes to see which company has affordable GMC Acadia insurance quotes.

The companies in the list below have been selected to offer comparison quotes in Sacramento, CA. To locate cheap car insurance in California, we suggest you visit two to three different companies in order to find the lowest rates.

Facts and figures for GMC Acadia insurance

The table shown next highlights a range of policy rates for GMC Acadia models. Understanding more about how auto insurance policy rates are determined can aid in making decisions on which insurance to purchase.

GMC Acadia Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $324 $648 $534 $32 $160 $1,698 $142
Acadia SL AWD $372 $648 $534 $32 $160 $1,746 $146
Acadia SLE 2WD $372 $648 $534 $32 $160 $1,746 $146
Acadia SLE AWD $372 $790 $534 $32 $160 $1,888 $157
Acadia SLT 2WD $372 $790 $534 $32 $160 $1,888 $157
Acadia SLT AWD $420 $790 $534 $32 $160 $1,936 $161
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Sacramento location which can lower or raise auto insurance rates significantly.

Deductible comparison

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below show how much more you'll pay when you choose different physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

GMC Acadia insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $298 $472 $442 $26 $132 $1,395 $116
Acadia SL AWD $342 $472 $442 $26 $132 $1,439 $120
Acadia SLE 2WD $342 $472 $442 $26 $132 $1,439 $120
Acadia SLE AWD $342 $576 $442 $26 $132 $1,543 $129
Acadia SLT 2WD $342 $576 $442 $26 $132 $1,543 $129
Acadia SLT AWD $386 $576 $442 $26 $132 $1,587 $132
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GMC Acadia insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $184 $298 $442 $26 $132 $1,082 $90
Acadia SL AWD $210 $298 $442 $26 $132 $1,108 $92
Acadia SLE 2WD $210 $298 $442 $26 $132 $1,108 $92
Acadia SLE AWD $210 $362 $442 $26 $132 $1,172 $98
Acadia SLT 2WD $210 $362 $442 $26 $132 $1,172 $98
Acadia SLT AWD $238 $362 $442 $26 $132 $1,200 $100
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in Sacramento location which can modify prices noticeably.

Based on the data above, we can derive that using a $250 deductible costs roughly $29 more each month or $348 each year than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 26 months between claims, you would save more money if you decide on a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $95
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you do file a claim. You need to have enough money put aside in order to pay the deductible.

Why Your Insurance Premiums might be higher

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine the price you pay for auto insurance. If you understand what determines premiums, this allows you to make educated decisions that could result in big savings.

Listed below are a few of the "ingredients" utilized by car insurance companies to help set premiums.

  • Males pay more for car insurance - Over time, data shows that females tend to be a little less risky than males. That doesn't necessarily mean that males are worse at driving than females. Both sexes tend to get into at-fault accidents at about the same rate, but guys cause more damage. Men also statistically get higher numbers of serious violations such as DWI and reckless driving. Males from age 16 to 21 are most likely to cause an accident so it costs more to insure them.

    The illustration below illustrates the comparison of GMC Acadia yearly insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

  • Less chance of injury means lower auto insurance rates - Safe vehicles tend to have lower insurance rates. Safer cars reduce occupant injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your GMC Acadia is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • High coverage deductibles lower premiums - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your GMC. Some examples of claims that would be covered are colliding with a building, damage from fire, and having your car stolen. Comp and collision deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more money you have to pay, the lower your rates will be.
  • With age comes responsibility - Older drivers are more cautious drivers, tend to file fewer claims, and are generally more financially stable. Young drivers tend to get distracted easily when driving with friends therefore auto insurance rates are much higher.

    The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Marriage is a good thing - Walking down the aisle can actually save you money when buying auto insurance. It translates into being less irresponsible and statistics show being married results in fewer claims.
  • Car plus home equals more savings - Some companies will award better rates to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to ten percent or more. Even with this discount applied, it's still a good idea to compare GMC Acadia rates in Sacramento to ensure the best deal.There is a chance you can find a better deal even if you insure with multiple companies
  • Insurance loss data for GMC Acadia vehicles - Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Models that have increased losses will be charged more to insure. The next table illustrates the insurance loss data for GMC Acadia vehicles.

    For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is a value of 100. Percentages below 100 are indicative of better than average losses, while numbers above 100 indicate frequent claims or an increased likelihood of larger losses.

    GMC Acadia Insurance Loss Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    GMC Acadia 4dr 2WD 75 86 73 71 69 80
    GMC Acadia 4dr 4WD 83 100 88 62 63 80
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Car insurance is available from local insurance agents

Some people just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and help in the event of a claim. A good thing about price shopping on the web is the fact that drivers can get lower rates and still choose a local agent.

Sacramento insurance agentsTo find an agent, once you fill out this simple form, your insurance data is emailed to companies in Sacramento that give free quotes to get your business. There is no need to contact any agents because prices are sent to the email address you provide. If you want to get a rate quote for a specific company, feel free to find their quoting web page and fill out their quote form.

Finding the right provider shouldn't rely on just a cheap price quote. Ask your prospective agent these questions:

  • If you raise deductibles, how much can you save?
  • Will they make sure you get an adequate claim settlement?
  • Do they carry Errors and Omissions coverage?
  • How long has their agency been in business in Sacramento?
  • Does the agency have a positive business rating?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are claims handled at the agent's location?

When looking for a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Car insurance agents are either independent or exclusive depending on the company they work for. Both can insure your vehicles properly, but it's worth mentioning the subtle differences since it could factor into the type of agent you choose.

Exclusive Car Insurance Agencies

Exclusive agencies are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are not able to compare other company's rates so always compare other rates. Exclusive agents receive extensive training on the products they sell which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years partially due to the prominence of the brand and the convenience of having all coverages with one company.

Below are Sacramento exclusive insurance agents who may provide you with rate quotes.

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Independent Insurance Agents

Agents that elect to be independent often have affiliation with several companies and that is an advantage because they can write policies through many different car insurance companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally and you don't have to find a new agent.

When comparing rate quotes, you need to get several quotes from several independent agencies in order to compare the most rates. Many write coverage with lesser-known insurance companies who may have lower rates.

Below is a list of independent agencies in Sacramento that can give you price quote information.

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Best reasons to buy car insurance in California

Despite the potentially high cost of GMC Acadia insurance, maintaining insurance may be mandatory for several reasons.

  • Most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Acadia with a loan, it's guaranteed your bank will require you to have full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may insure your GMC at a much higher premium rate and require you to fork over the higher price.
  • Car insurance protects not only your GMC but also your financial assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.

The benefits of having car insurance definitely exceed the cost, especially with large liability claims. The average driver in California is wasting up to $830 a year so it's important to compare rates at every renewal to save money.

More comparisons equals affordable rates

We've covered a lot of ways to lower your GMC Acadia insurance car insurance rates in Sacramento. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with some of the smallest insurance companies.

Cost effective GMC Acadia insurance can be purchased online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance providers may not offer online quoting and most of the time these small insurance companies only sell coverage through independent agents.

When you buy Sacramento car insurance online, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

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