GMC Acadia insurance cost image courtesy of QuoteInspector.com
Locating cheaper insurance for your GMC Acadia in California can turn out to be a lot of work, but you can learn these tips to find lower rates.
There are more efficient ways to find auto insurance online so you're going to learn the absolute fastest way to quote coverages for a GMC and find the best price possible from both online companies and San Diego agents.
Finding and buying cheaper policy in San Diego is not as time-consuming as you think. If you have coverage now or are looking for a new policy, follow these tips to find the best rates and possibly find even better coverage. Shoppers just have to learn the fastest way to compare different rates from many companies at once.
How to compare GMC Acadia insurance rate quotes in San Diego, CA
Cutting your San Diego auto insurance rates is actually easier than you may think. The only thing you need to do is spend a little time comparing free San Diego car insurance quotes provided by online insurance companies.
The companies in the list below can provide free quotes in California. If the list has multiple companies, it's highly recommended you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $232 | $430 | $574 | $34 | $172 | $1,442 | $120 |
| Acadia SL AWD | $316 | $382 | $578 | $34 | $174 | $1,484 | $124 |
| Acadia SLE 2WD | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Acadia SLE AWD | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| Acadia SLT 2WD | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Acadia SLT AWD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in San Diego location which can impact auto insurance rates significantly.
Higher deductibles save money
The illustration below shows how different deductible levels and can increase or decrease GMC Acadia annual premium costs for different categories of driver ages. The costs are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Save a ton on GMC Acadia insurance in San Diego with these auto insurance discounts
Companies do not advertise every available discount very clearly, so we researched a few of the more common as well as the least known auto insurance savings.
- Telematics Data - Drivers that enable companies to study where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
- Waiver for an Accident - This one is not really a discount per se, but companies like Allstate and GEICO allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
- Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Discount for Life Insurance - Select insurance companies reward you with better auto insurance rates if you take out some life insurance too.
- Discount for Home Ownership - Just owning your own home may trigger a policy discount on auto insurance because it is proof of financial responsibility.
A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it's possible to get free car insurance, auto insurance companies aren't that generous.
Companies and the discounts they provide are outlined below.
- AAA offers premium reductions for pay-in-full, anti-theft, education and occupation, good driver, multi-policy, and multi-car.
- Progressive has savings for online signing, multi-vehicle, continuous coverage, homeowner, multi-policy, good student, and online quote discount.
- State Farm policyholders can earn discounts including good driver, anti-theft, accident-free, safe vehicle, and multiple policy.
- Esurance offers discounts for DriveSense, defensive driver, renters, good student, good driver, and multi-car.
- Nationwide includes discounts for easy pay, good student, business or organization, accident-free, and anti-theft.
If you are trying to find the cheapest GMC Acadia rate quotes, ask each company or agent which credits you are entitled to. Depending on the company, some discounts may not be available in your state. To view insurers that can offer you the previously mentioned discounts in San Diego, click here to view.
Best reasons to buy auto insurance in California
Despite the fact that auto insurance is not cheap in San Diego, maintaining insurance is required in California but it also protects you in many ways.
- Most states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a loan, most banks will have a requirement that you have insurance to guarantee loan repayment. If the policy lapses, the bank will be required to insure your GMC at a much higher premium rate and force you to reimburse them the higher price.
- Auto insurance protects both your car and your personal assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $820 a year so we recommend shopping around each time the policy renews to ensure rates are inline.
Your situation helps dictate your coverage
Keep in mind that when it comes to choosing proper insurance coverage, there really is not a "best" method to buy coverage. Each situation is unique.
These are some specific questions might help in determining if you may require specific advice.
- Will my rates increase for filing one claim?
- Is business property covered if stolen from my car?
- How much coverage applies to personal belongings?
- Where can I find DUI or SR-22 insurance?
- Are all vehicle passengers covered by medical payments coverage?
- Will my GMC Acadia be repaired with OEM or aftermarket parts?
- Is my son or daughter covered when driving my car?
- Am I insured when driving a different vehicle?
- What is covered by UM/UIM coverage?
If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It's fast, free and may give you better protection.
Are insurance agents obsolete?
Some people just prefer to sit down and talk to an agent and that can be a great decision Good agents can answer important questions and help in the event of a claim. An additional benefit of comparing rates online is the fact that drivers can get cheap car insurance rates but also keep your business local. Buying from and supporting local insurance agents is important particularly in San Diego.
To help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to companies in San Diego that can give you free San Diego car insurance quotes for your business. You won't need to contact an agency since price quotes are sent straight to your inbox. If for some reason you want to compare prices from a particular provider, feel free to find their quoting web page and fill out their quote form.
When researching an insurance agent, it helps to know the two types of insurance agents from which to choose. Insurance agencies in San Diego are either independent agents or exclusive agents. Either one can properly insure your vehicles, but we need to point out the difference in the companies they write for because it may have an impact on the selection process.
Independent Car Insurance Agents
These type of agents do not sell for just one brand so they can quote policies amongst many companies and get you the best rates possible. If they quote lower rates, your agent can switch companies and you don't have to switch agencies.
When comparing car insurance prices, you will definitely want to compare prices from multiple independent agents for the best price selection. They also have the ability to place coverage with smaller companies that may provide cheaper car insurance rates.
The following is a small list of independent insurance agencies in San Diego who may be able to give you competitive price quotes.
- AG Insurance Agency
11440 W Bernardo Ct #161 - San Diego, CA 92127 - (858) 431-9880 - View Map - Leavitt Group - Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 - San Diego, CA 92122 - (858) 436-2441 - View Map - B H Gold Insurance
9699 Tierra Grande St # 100 - San Diego, CA 92126 - (800) 421-4653 - View Map
Exclusive Agents
These type of agents are contracted to one company such as Farmers Insurance or State Farm. These agents are unable to shop your coverage around so always compare other rates. These agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates. Some insured continue to use the same agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
The following are exclusive agencies in San Diego who can help you get rate quotes.
- Mike Davis - State Farm Insurance Agent
2254 Moore St #103 - San Diego, CA 92110 - (619) 295-8412 - View Map - David Thompson - State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 - San Diego, CA 92111 - (858) 560-5400 - View Map - Duane Werner - State Farm Insurance Agent
6663 El Cajon Blvd j - San Diego, CA 92115 - (619) 668-5414 - View Map
Finding the right insurance agent should include more criteria than just the bottom line cost. Agents should be asked these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What kind of financial rating does the company have?
- Is the agent CPCU or CIC certified?
- Does the agent recommend any additional coverage?
- In the event of vehicle damage, can you pick the collision repair facility?