GMC Acadia insurance image courtesy of QuoteInspector.com
Trying to find more affordable GMC Acadia insurance in Raleigh could be slightly frustrating for drivers who are beginners to online rate comparisons. There are so many different companies and agents to choose from that it can quickly become a real challenge to compare prices on GMC Acadia insurance.
Steps to finding the cheapest rates for GMC Acadia insurance in Raleigh
The most effective way to find low-cost prices for GMC Acadia insurance is to start doing a yearly price comparison from insurance carriers who sell insurance in Raleigh. Prices can be compared by following these guidelines.
- Gain an understanding of car insurance and the changes you can make to keep rates down. Many rating factors that increase rates such as traffic violations, accidents, and a poor credit score can be controlled by being financially responsible and driving safely.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide rate quotes for many different companies.
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give proper notification to your current agent or company to cancel your existing policy and submit a signed application and payment to the new insurer. Don't forget to place your new proof of insurance paperwork in your glove compartment.
A key point to remember is to try to compare the same level of coverage on each quote request and and to look at as many car insurance companies as possible. This enables the most accurate price comparison and and a good selection of different prices.
Surprisingly, a recent survey revealed that nearly 70% of consumers kept buying from the same company for more than four years, and almost half have never quoted insurance rates at all. North Carolina drivers can save hundreds of dollars each year by just comparing rate quotes, but they underestimate the amount of money they would save if they replace their high priced policy.
Locating the most cost-effective car insurance policy in Raleigh can be made easier if you know where to look. Practically everyone who carries car insurance should find a lower-cost company. But North Carolina drivers must learn the way insurance companies market on the web because rates fluctuate considerably.
Most larger insurance companies provide pricing online. Getting quotes for GMC Acadia insurance in Raleigh is quite simple as all you need to do is type in your required coverages into a form. After you complete the form, their system pulls your driving record and credit report and returns a price.
This makes comparing rates easy, and it is important to do this if you want to find lower-cost insurance pricing.
To compare pricing, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter the coverage information just like they are on your policy. Doing this guarantees you will receive an apples-to-apples comparison using the same coverage and limits.
The auto insurance companies shown below offer price quotes in North Carolina. If you want the best auto insurance in North Carolina, it's highly recommended you compare several of them to get the cheapest price.
Get affordable GMC Acadia insurance in Raleigh with discounts
Insurance is not cheap nor is it fun to buy but you may find discounts that many people don't even know exist. A few discounts will be applied when you complete an application, but once in a while a discount must be manually applied before being credited.
- Good Grades Discount - A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
- Pay Early and Save - If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
- Savings for New Vehicles - Buying a new car instead of a used Acadia can be considerably cheaper since newer models have better safety ratings.
- Multiple Vehicles - Buying coverage for primary and secondary vehicles on one policy can get a discount on all vehicles.
- First Accident Forgiveness - Not a discount per se, but a few companies such as State Farm, Progressive and GEICO permit an accident without getting socked with a rate hike as long as you don't have any claims for a particular time prior to the accident.
As a sidenote, some credits don't apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free insurance policy, companies wouldn't make money that way.
The diagram below visualizes the comparison of GMC Acadia annual premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.
To view insurance companies that offer the discounts shown above in North Carolina, click here.
Statistics and details
The information displayed below covers different insurance policy prices for GMC Acadia models. Understanding more about how premiums are determined can help guide drivers when making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$118||$210||$262||$16||$78||$684||$57|
|Acadia SL AWD||$134||$210||$262||$16||$78||$700||$58|
|Acadia SLE 2WD||$134||$210||$262||$16||$78||$700||$58|
|Acadia SLE AWD||$134||$256||$262||$16||$78||$746||$62|
|Acadia SLT 2WD||$134||$256||$262||$16||$78||$746||$62|
|Acadia SLT AWD||$152||$256||$262||$16||$78||$764||$64|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in your specific Raleigh location which can raise or lower prices considerably.
The illustration below illustrates how choosing a deductible and can raise or lower GMC Acadia premium costs for different age groups. The costs are based on a married female driver, full coverage, and no discounts are applied.
Should you buy full coverage?
The illustration below illustrates the comparison of GMC Acadia insurance premiums with and without full coverage. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.
When to drop full coverage
There is no definitive guideline to stop paying for full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let's assume your GMC Acadia replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your policy deductible. If it's costing you more than $200 a year for full coverage, then you might want to think about dropping full coverage.
There are some circumstances where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Learn How to Lower Your Insurance Premiums
Lots of factors are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but some are not quite as obvious like your continuous coverage or your commute time. Smart consumers have a good feel for some of the factors that help calculate auto insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.
The list below includes a partial list of the pieces utilized by car insurance companies to help set your prices.
Bad driving leads to higher costs - Being a careful driver impacts your car insurance rates tremendously. Drivers who don't get tickets have lower premiums than bad drivers. Having a single speeding ticket may cause rates to rise twenty percent or more. Drivers who have gotten multiple violations like hit and run, DWI or reckless driving convictions may be required to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
The diagram below shows how speeding tickets and at-fault claims can increase GMC Acadia car insurance rates for different ages of insureds. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Only buy what you need - There are a ton of optional add-on coverages that may not really be needed if you aren't diligent. Insurance for things like roadside assistance, accidental death, and motor club memberships are examples of these. You may think they are a good idea when you first buy your policy, but if you've never needed them in the past eliminate them to save money.
Don't cut corners with liability insurance - The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Your location is a factor - Choosing to live in a small town has definite advantages when buying auto insurance. City drivers regularly have traffic congestion and more time behind the wheel. Fewer drivers means fewer accidents.
Deter car thieves - Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent auto theft.
Having a spouse is a bonus - Getting married may earn you lower rates on your auto insurance bill. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Youthful drivers are expensive to insure - Older insureds are shown to be more cautious, tend to cause fewer accidents, and tend to be get fewer driving tickets. Youthful drivers tend to be inattentive behind the wheel so they pay higher auto insurance rates.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Vehicle risk influences prices - The performance level of the vehicle you own makes a substantial difference in your premium level. Small economy passenger cars usually have the lowest premiums, but that's not the only thing that factors into the final price.
The next chart is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares GMC Acadia insurance rates compared to other makes and models that have a range of risk factors.
GMC Acadia insurance claim data - Car insurance companies analyze the history of losses when they file their rates in each state. Models that the statistics show to have higher prevalence or dollar amount of losses will cost more to insure. The table below outlines the actual insurance loss data for GMC Acadia vehicles.
For each policy coverage, the claim probability for all vehicles, as a total average, equals 100. Values under 100 indicate better than average losses, while numbers above 100 indicate more frequent losses or a tendency for claims to be larger.
|Specific GMC Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|GMC Acadia 4dr 2WD||75||86||73||71||69||80|
|GMC Acadia 4dr 4WD||83||100||88||62||63||80|
Statistics from IIHS.org for 2013-2015 Model Years
Buying from insurance agents
Certain consumers prefer to buy from a licensed agent and that is just fine! One of the benefits of getting free rate quotes online is that you can obtain the best rates and still have an agent to talk to.
By using this simple form, your insurance data is immediately sent to local insurance agents that provide free Raleigh auto insurance quotes for your coverage. It's much easier because you don't need to find an agent since rate quotes are delivered to you. You can find the lowest rates without having to waste a lot of time. If for some reason you want to quote rates from a specific company, just search and find their rate quote page to submit a rate quote request.
Selecting an provider should depend on more than just a low price. Here are some questions you might want to ask.
- Do you qualify for any additional discounts?
- Do you work with a CSR or direct with the agent?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the company have a local claim office in Raleigh?
If you are wanting to find a reputable agency, there are a couple of different types of agents to choose from. Agents in Raleigh may be either exclusive or independent.
Exclusive Car Insurance Agents
Exclusive agents can only provide pricing for a single company and examples are American Family, State Farm, and Allstate. They generally cannot place coverage with different providers so always compare other rates. Exclusive agents are well schooled on their company's products which can be an advantage. Many people use the same exclusive agent mostly because of the prominent brand name rather than having the cheapest rates.
The following are Raleigh exclusive agents who may provide you with comparison quotes.
- Allstate Insurance: Thomas Walters
5620 Six Forks Rd Ste 103 - Raleigh, NC 27609 - (919) 848-8105 - View Map
- Anthony Sykes - State Farm Insurance Agent
4030 Wake Forest Rd Ste 106 - Raleigh, NC 27609 - (919) 850-0560 - View Map
- Allstate Insurance: Lauri W. Fair
9101 Leesville Rd Ste 111 - Raleigh, NC 27613 - (919) 846-3901 - View Map
Independent Agents (or Brokers)
These type of agents do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your policy is moved internally and you don't have to do anything. When comparing rate quotes, you need to include rate quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with companies that do not advertise much that may have much lower rates than larger companies.
The following is a short list of independent agencies in Raleigh that can give you price quotes.
- Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 - Raleigh, NC 27604 - (919) 872-0130 - View Map
- Independent Insurance Agents of North Carolina Inc
101 Weston Oaks Ct - Cary, NC 27513 - (919) 828-4371 - View Map
- Young Insurance Associates, Inc
2609 Atlantic Ave #107 - Raleigh, NC 27604 - (919) 322-4186 - View Map
Auto insurance companies ranked
Picking the best auto insurance provider can be challenging considering how many different companies insure vehicles in North Carolina. The company rank data listed below may help you analyze which auto insurers to look at comparing prices from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Cheap insurance rates are possible
We covered a lot of techniques to shop for GMC Acadia insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Raleigh auto insurance quotes. You may even discover the lowest car insurance rates come from some of the lesser-known companies.
When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn't purchase enough coverage. The goal is to buy enough coverage at an affordable rate.
Drivers change insurance companies for a number of reasons such as high prices, an unsatisfactory settlement offer, being labeled a high risk driver or high rates after DUI convictions. It doesn't matter why you want to switch choosing a new insurance company can be easier than you think.
How to save money on GMC Acadia insurance in Raleigh
Truthfully, the best way to find the cheapest price for GMC Acadia insurance in Raleigh is to do a yearly price comparison from insurers in North Carolina.
Step 1: Try to comprehend what coverages are included in your policy and the changes you can make to keep rates in check. Many policy risk factors that increase rates such as accidents, traffic tickets, and a not-so-good credit score can be controlled by making minor changes in your lifestyle.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes for many different companies. Click to view companies
Step 3: Compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Give notification to your current company to cancel the current policy and submit a completed application and payment to the new company. Once the application is submitted, place your new certificate verifying coverage in an accessible location in your vehicle.
The most important part of shopping around is to try to use similar limits and deductibles on each price quote and and to get rates from every insurance company. Doing this ensures an accurate price comparison and and a good selection of different prices.
For more information, link through to these articles:
- What if I Can't Find Coverage? (Insurance Information Institute)
- What Insurance is Cheapest for Business Use in Raleigh? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Focus in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in Raleigh? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)