Finding cheap insurance for a GMC Acadia in California doesn’t take a ton of time, but it relies on lots of different rating factors such as annual vehicle mileage, your occupation, and your choice of physical damage deductibles. California drivers pay on average $1,081 annually to insure their Acadia, but that is using a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you are not 50 years old and maybe not even female, single instead of married, or maybe you need higher liability limits than the state minimum. Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance rates for your GMC is to do a thorough rate comparison.
The specific model of Acadia will be a contributing factor to the coverage cost, so the cost to insure a Acadia SL 2WD model will be $152 less expensive the price to insure the more well-appointed Acadia SLT AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$230||$392||$416||$24||$124||$1,186||$99|
|Acadia SL AWD||$262||$392||$416||$24||$124||$1,218||$102|
|Acadia SLE 2WD||$262||$392||$416||$24||$124||$1,218||$102|
|Acadia SLE AWD||$262||$478||$416||$24||$124||$1,304||$109|
|Acadia SLT 2WD||$262||$478||$416||$24||$124||$1,304||$109|
|Acadia SLT AWD||$296||$478||$416||$24||$124||$1,338||$112|
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in zip code location which can affect auto insurance rates considerably.
Choosing a good quality car insurance provider is difficult considering how many companies there are to choose from in California. The rank data below could help you decide which car insurance companies you want to consider comparing price quotes from. The ratings below are only made up of companies that write coverage in many states, so smaller companies that only insure vehicles in California are not included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The chart below highlights how deductible selection can raise or lower insurance prices when getting quotes for cheap insurance for a GMC Acadia. The data is based on a single female driver, comp and collision included, and no discounts are factored in.
A 30-year-old driver could cut expenses by $498 a year by increasing from a $100 deductible to a $500 deductible, or save $750 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave as much as $1,098 or more just by choosing higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it is necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Cost of full coverage
Saving money on car insurance should be important to the majority of drivers, and one of the best ways to save on the cost of insurance for a GMC Acadia is to not buy comprehensive and collision coverage. The information below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no accidents or driving violations, $100 deductibles, single status, and no additional discounts are factored in.
On average, physical damage coverage on your policy costs $2,998 per year over and above liability only. Many of you may wonder if paying for full coverage is worth it. There is no clear-cut formula for dropping physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,500 after the policy deductible has been paid. If it’s costing you more than $450 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
The benefits of price comparisons
Riverside, CA car insurance rates are influenced by many factors that may substantially change the price you pay for coverage. Getting older, moving across town, or getting a couple of tickets may generate price changes that may make certain companies much cheaper than others.
Additionally, insurance companies file new California car insurance rates every year to reflect underwriting profits or losses. Larger than normal claims can cause higher priced premiums, while a lower level of claims may result in lower-cost Acadia insurance rates.
The data below shows rates for the cheapest car insurance in Riverside, CA for a 30-year-old female driver with no accidents or violations, and a good credit rating. When comparing rates based on her current risk factors, USAA may have the lowest car insurance rates in Riverside at $1,292 annually. This is $359 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the best Riverside, CA auto insurance companies.
Let’s now give the driver from the first set of rates an accident surcharge, a lower credit rating, and a traffic ticket or two. Because every insurance company has a different formula for setting rates, analyzing rate quotes may now present a different ranking of the cheapest car insurance companies in Riverside as shown below.
Grange now has the best auto insurance rate in Riverside with Allstate, GEICO, Mercury, and Allied also having competitive pricing. This demonstrates why it is critical to perform an extensive rate comparison to get the most affordable car insurance quotes for a GMC Acadia. Insurance prices can be determined by many different factors and change substantially, so the cheapest option when you bought your policy may now be priced much higher than other options.
If you aren’t sure which coverage you need and prefer to get some professional advice when trying to find the best insurance rates for an Acadia, the agencies below are a good start to help you decide which coverage meets your needs best.
To locate a Riverside car insurance agency near you, click the button link following the list.
- Melendez Insurance Agency
3595 Van Buren Boulevard #201 – Riverside, CA 92503 – (951) 687-9152
- Mercury Insurance Agent – Quotes
3410 La Sierra Ave – Riverside, CA 92503 – (951) 732-7770
- Riverside Insurance Agency Inc.
#B, 125 W La Cadena Dr – Riverside, CA 92501 – (951) 684-3500
- Joseph Insurance Services
3694 Sunnyside Dr – Riverside, CA 92506 – (951) 683-0777
How to find the cheapest auto insurance for a GMC Acadia
It is possible to find better rates, and here are many money-saving suggestions that can help Riverside drivers quote cheap auto insurance.
- Increase the comprehensive and collision deductibles on your policy
- Good credit can mean cheaper rates
- Having at-fault accidents will increase rates
- Older vehicles may not need full coverage
- Drive safely
- Buy vehicles with good safety ratings
- Keep rates low by comparing prices once a year
The last suggestion is extremely valuable, as we emphasized in this piece. Rates in Riverside can change significantly in a year, so don’t be afraid to switch carriers if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but we do not recommend it if that inflexibility results in costing you major coinage every year. Take a couple minutes and compare rates to find cheaper insurance for a GMC Acadia.