Choosing the right coverages for your GMC Acadia insurance policy can seem tricky. An independent insurance agent can help walk you through your options. They can also get multiple quotes from reputable insurance companies to help you narrow down your choices while staying within your budget. You need car insurance personalized for your vehicle and your financial situation.
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What Kind of Insurance Do You Need for Your GMC Acadia?
Bodily injury liability: If you are in an accident that's your fault and someone else is hurt, your bodily injury liability insurance policy pays for covered costs related to their medical care and recovery.
Property damage liability: Your property damage liability insurance policy covers damage you cause while driving your GMC Acadia. Your policy only pays up to the maximum allowable amount, so it may be smart to purchase more than the minimum requirement.
Bodily injury liability and property damage liability are often legally required. Your agent can help you understand the minimum required amounts and how purchasing additional insurance could help you in the long run.
Medical payments/Personal injury protection: Whether you can purchase medical payments or personal injury protection insurance depends on where you live. In some states this type of coverage is required. If you are in an accident, the policy pays for physical recovery for you and your passengers.
Uninsured motorist coverage: What most areas of the country have laws about how much insurance you must have as a driver, you may still be responsible for paying damage that someone else's insurance can't cover if you are in an accident. Uninsured and underinsured motorist coverage offers extra protection. It may pay for repairs to your GMC Acadia if you are in an accident with a driver who doesn't have the right types or amounts of insurance.
Collision: Collision insurance coverage pays to repair or replace your GMC Acadia if you are in a covered accident that involves another vehicle. Your agent can help you understand the pros and cons of adding this optional coverage to your policy.
Comprehensive: Comprehensive insurance coverage pays for repairs associated with damage that doesn't fall under your collision policy. This could include hitting an animal in the road, vandalism, or damage caused by falling objects.
Note: If you have a loan or lease on your GMC Acadia, the bank or lease company dictates which insurance coverages you must carry on your vehicle. In many cases, you will be required to carry full coverage insurance including collision and comprehensive coverage.
Glass Coverage: Replacing a windshield is expensive, but it's not the kind of repair you can put off. While the cost is often less than your deductible, it can still put a dent in your budget. For just a few dollars each month you can add a zero deductible glass coverage policy to your auto insurance.
Gap Insurance: If you rolled debt from a previous vehicle into your current loan or you simply owe more on your GMC Acadia than it's worth, consider gap insurance. If you are in an accident and your Acadia is a total loss, the amount your insurance company pays may not be enough to pay off your loan or lease. In this case, you are financially responsible for paying the difference.
Gap insurance covers the gap between the total amount you owe on a loan or lease and the amount the insurance company is willing to pay if your vehicle is a total loss.
What Affects the Cost of Insurance for Your GMC Acadia?
Annual mileage: Driving more than 10,000 to 15,000 miles per year could cause your GMC Acadia Insurance rates to go up slightly.
Your driving record: GMC Acadia drivers with a spotless driving record can expect to pay 40% less for auto insurance than drivers with moving violations and at fault accidents on their records.
The value of your vehicle: High value vehicles cost more to replace and repair. Insurance rates go up with the value of your vehicle.
Average GMC Acadia Insurance Costs
On average, a 40-year-old GMC Acadia driver pays an annual auto insurance rate of $1,294 for full coverage. Reducing that coverage to a liability-only policy drops the rate down to $438 per year. High-risk drivers should expect an average of $2,776 annually to ensure their GMC Acadia, and teen drivers pay even more with an average annual policy of $4,790.
The Safety of Your GMC Acadia
The Insurance Instutue for Highway Safety (IIHS) gave the 2020 GMC Acadia good ratings for crashworthiness, and optional crash avoidance and mitigation systems. Standard safety features with this vehicle are lackluster. Lane change alert with side blind zone alert, rear cross-traffic alert, rear park assist, and high-definition rear vision camera are optional with the newest lineup of GMC Acadias. These safety features may help contribute to a reduction in your insurance rate. Your agent can help you understand how choosing an Acadia with safety features can help reduce your premiums.
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How Location Affects Your GMC Acadia Insurance
Because your location has such a dramatic effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. Here's how average GMC Acadia full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:
Where you live has a great deal to do with your car insurance premiums. For this reason, it's a good idea to get a personalized quote that includes your geographical location. Here's how insurance premiums vary on average according to the population of your town or city.
|Rural Areas:||Small Cities:||Large Cities:|
Additional Factors That Affect Your GMC Acadia Insurance Premiums
Safety features like anti-theft devices:
Average Cost to Insure a GMC Acadia
|Average annual cost to insure a GMC Acadia with full coverage:||$1,332|
|Top three most expensive states for GMC Acadia insurance:|
|Michigan, New York, Florida||$1,750|
|Top three most affordable states for GMC Acadia insurance:|
|Vermont, Wisconsin, and North Carolina||$850|
Top Independent Insurance Carriers That Insure the GMC Acadia
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a GMC Acadia Quote
An independent insurance agent can help you get the coverage you need for your GMC Acadia while staying on budget. The TrustedChoice.com find-an-agent tool allows you to get in touch with an independent agent in your area right away. Get started today by using the TrustedChoice.com network to locate an agent in your town.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver