2016 GMC Acadia Insurance Quotes – 6 Tips for Cheaper Rates

Are you irritated from being strong-armed to insure your GMC every month? You are in the same boat as most other people. With people having so many insurance companies to choose from, it’s nearly impossible to pick the most affordable insurer.

Don’t miss these six money-saving discounts

Buying insurance is not cheap, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few need to be manually applied before you get the savings.

• Use Seat Belts – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• E-sign – Some of the larger companies provide a small discount just for signing your application digitally online.
• Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount when shopping for insurance.
• No Accidents – Drivers who don’t have accidents pay much less when compared to drivers with a long claim history.
• College Student – Older children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• Military Rewards – Being deployed in the military may qualify for rate reductions.

One thing to note about discounts is that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

Auto insurance companies who may offer some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Check with each company which credits you are entitled to. A few discounts might not apply in your area. If you would like to see a list of insurers that offer the discounts shown above, follow this link.

Do I need special coverages?

When buying the best insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

• What is medical payments coverage?
• Do I need higher collision deductibles?
• Am I covered if I crash into my own garage door?
• Exactly who is provided coverage by my policy?
• Is my camper covered by my car insurance policy?
• Which companies will insure high-risk drivers?
• When should I not file a claim?
• How do I buy GAP insurance?
• How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, medical services, loss of income and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, X-ray expenses, dental work, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, rock chips in glass, fire damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Acadia caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, crashing into a building, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Save for a rainy day

Some insurance companies may not provide price quotes online and these regional insurance providers only sell through independent agents. More affordable insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

Throughout this article, we presented quite a bit of information on how to reduce 2016 GMC Acadia insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

More information is available below:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Electronic Stability Control FAQ (iihs.org)