You need the best possible car insurance rates for your GMC Terrain, but it's a pain to call insurance companies for quotes. An independent insurance agent can shop many reputable insurance companies on your behalf, and you can make your decisions about how much and what types of auto insurance you want with help from an expert. You need car insurance personalized for your vehicle and your budget.
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What Kind of Insurance Do You Need for Your GMC Terrain?
Bodily Injury Liability
Bodily injury liability insurance covers costs associated with someone else's injuries if they are the result of an accident you caused while driving your GMC Terrain. In many states, you must carry a minimum amount of bodily injury liability insurance.
Property Damage Liability
Property damage liability insurance is also required in many areas of the country. If you cause an accident and damage someone else's property, this insurance coverage will pay for the damage up to the policy limits.
Medical Payments/Personal Injury Protection
Medical payments and personal injury protection insurance cover medical bills associated with recovery from injuries for you and your passengers if you are in an accident. You don't have to wait for the insurance company to decide who was at fault with this type of policy. Depending on where you live, you may be required to purchase certain amounts of this insurance.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage offers an extra layer of financial protection if you are in an accident that is someone else's fault, but they don't have the right types or amounts of insurance to pay for the damage.
Collision insurance coverage handles costs associated with repairing or replacing your GMC Terrain if you are in an accident with another vehicle or you hit a signpost, a tree, or a building.
A comprehensive insurance coverage policy pays to repair or replace your GMC Terrain in a covered accident, such as hitting an animal in the road or having a tree fall on your SUV. This type of policy also applies if your SUV is vandalized or stolen.
If you have a loan or lease on your GMC Terrain, the bank or dealership may require you to carry full coverage insurance on your GMC Terrain, including comprehensive and collision coverage. Your agent can help you adhere to your bank or dealership guidelines while designing an insurance package that meets your needs.
Replacing the windshield in your GMC Terrain is expensive but may not cost enough to reach your deductible. A zero-deductible glass coverage policy helps you get the broken glass fixed without having to pay those costs out of pocket.
If you are in a covered accident and your SUV is a total loss, the insurance company pays the fair market value. If you owe more on your GMC Terrain than it's worth, you are personally financially responsible for paying the difference between the insurance company settlement and the total amount due on the loan or lease. Gap insurance protects you by covering the gap between the amount of money you owe and the amount of money your GMC Terrain is worth.
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What Affects the Cost of Insurance for Your GMC Terrain?
- Annual mileage: Drivers who put more than 10000 to 15000 miles per year on their car May pay slightly higher insurance rates.
- Your driving record: Drivers with a spotless driving record who don't have any at-fault accidents or moving violations can save up to 40% on their insurance premiums.
- The value of your vehicle: More expensive vehicles cost more to fix or replace. In general, you will pay more to insure newer SUVs.
|Average Annual GMC Terrain Insurance Rates by Model Year|
|2020 GMC Terrain:||$1,336|
|2015 GMC Terrain:||$1,256|
|2010 GMC Terrain:||$1,064|
Average GMC Terrain Insurance Costs
On average, a 40-year-old GMC Terrain driver pays $1,336 annually for full coverage auto insurance, including collision and comprehensive coverage. Liability-only insurance rates average just $376 per year. a 16-year-old driver pays an average rate of $4,818 per year for full coverage insurance.
The Safety of Your GMC Terrain
The NHTSA gave the 2020 GMC Terrain an overall 5-star safety rating. The IIHF gave this small SUV a good rating across every category except headlights. You can get standard daytime running lights, optional blind-spot detection, lane departure warning, and lane departure prevention, depending on which trim level you choose. These features greatly contribute to the GMC Terrain's safety on the road.
How Location Affects Your GMC Terrain Insurance
A personalized quote from your agent will show you what you should expect to pay for insurance on your GMC Terrain. While average rates are useful, they don't necessarily take into consideration your location.
Here's how living in various places could affect the car insurance premiums fora 40-year-old with full coverage and $500 deductible
|Rural Areas||Small Cities||Large Cities|
Additional Factors That Affect Your GMC Terrain Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a GMC Terrain
|Average annual cost to insure a GMC Terrain with full coverage:||$1,336|
|Top 3 most expensive states for GMC Terrain insurance:|
|Michigan, Louisiana, and New York||$1,910|
|Top 3 most affordable states for GMC Terrain insurance:|
|Idaho, Maine, and Iowa||$880|
Top Independent Insurance Carriers That Insure the GMC Terrain
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a GMC Terrain Quote
An independent insurance agent can help you get the best price on the insurance you need for your GMC Terrain. Use this TrustedChoice.com find-an-agent tool to locate an agent in your area. Get in touch and start the process of finding the lowest GMC Terrain insurance rates.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver