2017 GMC Acadia Limited Car Insurance Cost – 7 Tips for Cheaper Prices

Searching for better insurance coverage rates for your GMC Acadia Limited? Having to pay for high-priced insurance coverage can empty your family’s budget and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill.

Companies like Geico, Progressive and Allstate increase brand awareness with advertising and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you have a policy now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the proper way to get comparison quotes online.

Insurance quotes comparison

There are several ways you can shop for insurance but some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote. This prevents consumers from doing form submissions to each company.

To find out how much you can save on insurance click to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose which carriers you want pricing from. So if you want to select specific insurance companies to compare prices, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare nearly identical quote data for each quote you get. If you are comparing different deductibles you will not be able to determine which company has the best rates.

Save money with these seven discounts

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically prior to receiving the credit.

  • Paperless Signup – A few larger online companies will give a small break shop insurance coverage over the internet.
  • Multi-policy Discount – When you combine your auto and home insurance with one company you will save over 10 percent off each policy depending on the company.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Sign Early and Save – Some insurance companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Military Discounts – Having a family member in the military can result in better prices.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies who offer cheap insurance coverage quotes, click here to view.

Insurance can be complex

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • What if I total my 2017 GMC Acadia Limited and owe more than it’s worth?
  • How can I force my company to pay a claim?
  • What is the minimum liability in my state?
  • Which companies will insure high-risk drivers?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your GMC Acadia Limited.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, vandalism, theft and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


This will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This pays for damage to your Acadia Limited resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car, colliding with a tree, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, prosthetic devices, chiropractic care, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Better coverage you can count on

When shopping online for auto insurance, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

We just showed you many ways to get a better price on 2017 GMC Acadia Limited insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost insurance coverage. Consumers could even find that the best rates are with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Lower-priced 2017 GMC Acadia Limited insurance can be bought online and also from your neighborhood agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some companies may not offer price quotes online and usually these regional carriers sell through independent agents.

Additional resources

Comments About 2017 GMC Acadia Limited Insurance

  1. Wesley Schneider

    In Great Falls, Montana, Progressive auto insurance rates for my 2017 GMC Acadia Limited were good. Was with State Farm. I recommend comparing lots of rates.

  2. Ginny Webster

    It’s all a rip off. Quoted with Esurance for my GMC and saved about $160 a year. Just go online and compare their rates.

  3. Donnetta Mcguire

    IT’S ALL TOO EXPENSIVE! Went with GMAC for my 2017 GMC Acadia Limited and am saving around $440 a year. Have a couple speeding tickets too.

  4. Buford Moon

    Great site. I live south of Newark, DE. Got free quotes online for a 2017 GMC Acadia Limited. Ended up at about $260 savings annually. Went with Progressive. Insured with 21st Century before.

  5. Lavonne Underwood

    I live south of Milwaukee, Wisconsin. Compared rates from a lot of places. Saved right around $70 a month. State Farm was the cheapest option for me. Left Liberty Mutual to switch. A clean driving record helps. :P

  6. Laverne Santana

    Lots of good stuff here. I’m just east of Provo, UT. I got free prices from Nationwide, Farmers, 21st Century, and AAA for my 2017 GMC Acadia Limited and I’m now saving $48 a month. Was with Western Auto Insurance. Good multi-policy discounts.

  7. Tabatha Short

    2017 GMC Acadia Limited + 21st Century = GOOD RATES!

  8. Roxie Bradford

    Found cheapest coverage with MetLife for my GMC and am saving around $180 a year.

  9. Kristy Cleveland

    Not sure if this is cheap. Live in the northern part of Grand Forks, North Dakota. Quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my Acadia Limited and saved about $470 a year. Insured with USAA before. I have several vehicles insured with them. It never hurts to quote around.

  10. Andera Baird

    From northwest of Memphis, Tennessee. Got free quotes online for a 2017 GMC Acadia Limited. Ended up at about $220 savings annually. Went with 21st Century. Left Western Auto Insurance to switch. Still almost need a second mortgage.

  11. Lawerence Ruiz

    I’m in Charleston, SC. Got quotes from USAA, Amica, Hartford, and Nationwide for my GMC and saved $412 a year. Insured with 21st Century before. Switched homeowners coverage too.