Buying cheaper car insurance for a GMC Acadia depends on lots of different rating factors such as how many years you have been driving, if you have prior claims, and any prior driving offenses. Florida drivers pay around $1,185 a year to insure their Acadia, but that price is a valuation using a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
Most likely you are not 30 and maybe not even a male, single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having even a minor difference in rating criteria or coverage limits could result in a significant change in the policy rate.
There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap car insurance rates for your GMC is to do the rate comparisons yourself. It only takes a few minutes and you will be able to compare rates from some of the best insurers that offer coverage in Florida.
The specific trim level will most likely have an effect on the cost of insurance, so the cost to insure a Acadia SL 2WD will be $182 less than the insurance cost for the more well-appointed Acadia SLT AWD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$280||$446||$418||$24||$124||$1,292||$108|
|Acadia SL AWD||$322||$446||$418||$24||$124||$1,334||$111|
|Acadia SLE 2WD||$322||$446||$418||$24||$124||$1,334||$111|
|Acadia SLE AWD||$322||$544||$418||$24||$124||$1,432||$119|
|Acadia SLT 2WD||$322||$544||$418||$24||$124||$1,432||$119|
|Acadia SLT AWD||$364||$544||$418||$24||$124||$1,474||$123|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can impact price quotes considerably.
How to find a good Florida insurance company
Picking the right auto insurance provider is difficult considering how many companies are available to choose from in Tampa. The company information displayed below may help you pick which coverage providers to look at when trying find the best insurance for a GMC Acadia. The ratings below are only comprised of companies that write coverage in many states, so smaller companies are not taken into consideration for this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Tampa car insurance rates
Insurers that provide policies for a GMC Acadia may provide rate discounts that may potentially lower prices by as much as 30% if you meet specific criteria. Larger insurance companies and some of the premium reductions they offer include:
- GEICO has savings for multi-vehicle, defensive driver, military active duty, air bags, driver training, five-year accident-free, and membership and employees.
- Mercury Insurance offers discounts for accident-free, ease of repair, low natural disaster claims, age of vehicle, annual mileage, good student, and professional/association.
- Farmers Insurance policyholders can earn discounts including pay in full, alternative fuel, homeowner, mature driver, good student, business and professional, and distant student.
- Auto-Owners Insurance includes discounts for safe driver, group or association, anti-lock brakes, safe vehicle, mature driver, and air bags.
- Liberty Mutual discounts include exclusive group savings, multi-policy, safety features, new graduate, and good student.
- SAFECO has discounts for multi-car, drive less, safe driver, anti-theft, and teen safety rewards.
- Progressive may include discounts for multi-vehicle, online quote discount, good student, multi-policy, homeowner, continuous coverage, and online signing.
- USAA may have discounts that include annual mileage, multi-policy, new vehicle, good student, defensive driver, and loyalty savings.
The chart below shows the difference between auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, Florida state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, marriage, safe-driver, passive restraint, homeowner, and multiple policy discounts applied. When drivers take advantage of discounts, theamount saved on insurance for a GMC Acadia is 28% or $616.
Illustration showing the impact of accidents and violations
The easiest method to score good insurance rates in Tampa for an Acadia is to be a careful driver and maintain a clean driving record. The example below demonstrates how traffic citations and at-fault accidents can influence yearly insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance in Florida per year with a clean driving record and no accidents is $1,497. Factor in two speeding tickets and the average cost increases to $2,113, an increase of $616 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for a GMC Acadia jumps again to an average of $2,733. That’s an increase of $1,236, or $103 per month, just for not maintaining a clean driving record!
Comparison of full coverage and liability-only policies
Lowering the price of insurance is important to most drivers, and one of the fastest ways to save on the cost of insurance for a GMC Acadia is to only pay for liability coverage. The diagram below shows the comparison of insurance rates when comparing full coverage to liability only. The premium estimates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no other discounts are factored in.
Averaged out for all age groups, full coverage on your policy costs an extra $2,617 per year more than carrying just liability coverage. At some point, about every driver wonders if buying full coverage is a waste of money. There is no specific rule for phasing out full coverage, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
There are a few situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.