GMC Acadia Insurance Quotes in Columbus

Do you want to save money by buying lower-priced GMC Acadia insurance in Columbus? Paying for expensive GMC Acadia insurance in Columbus can take a big chunk out of your monthly budget and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away.

It’s an obvious assumption that auto insurance companies want to prevent you from shopping around. Consumers who shop around for better prices are likely to switch to a new company because there is a high probability of finding a more affordable policy premium. A recent survey found that consumers who shopped around every year saved over $70 a month as compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable car insurance is your ultimate goal, then learning about how to get free comparison quotes and analyze coverage rates can help simplify the process. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the definite lowest price on GMC Acadia insurance in Columbus.

You should take the time to get comparison quotes at least once a year since prices are usually higher with each renewal. Despite the fact that you may have had the best rates on GMC Acadia insurance in Columbus on your last policy you can probably find a lower rate today. There is lot of inaccurate information about Acadia insurance on the internet, but I’m going to show you some of the best ways to find affordable insurance in Columbus.

Affordable auto insurance in Columbus, OH

The providers in the list below provide price quotes in Columbus, OH. If more than one company is shown, it’s a good idea that you click on several of them in order to get a fair rate comparison.

Rates and statistics

The premium information displayed below highlights a range of coverage prices for GMC Acadia models. Having insight into how policy rates are established is important for drivers to make decisions when shopping around.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in garaging location in Columbus which can modify premium rates considerably.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The rates below sum up the premium difference when you choose different policy deductibles. The first set of prices uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific zip code location which can change auto insurance rates substantially.

Based on the figures above, using a $100 deductible could cost the average driver approximately $22 more each month or $264 annually averaged for all Acadia models than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 41 months between claims, you would probably be better off going with the higher deductible. The numbers below show how you can do this calculation yourself.

One important caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. It will be required that you have enough disposable savings in the event you have to pay the higher deductible.

The example below shows how choosing a deductible and can impact GMC Acadia insurance prices for different ages of insureds. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Comparison of insurance rates by gender and age in Columbus

The example below illustrates the difference between GMC Acadia annual premium costs for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are factored in.

Cost difference between full coverage and liability

The information below compares GMC Acadia car insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive guideline to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your GMC Acadia book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If you are currently paying more than $200 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Get GMC Acadia Insurance at a Discount

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance. When you understand what determines base rates, this enables you to make decisions that can earn you lower rates. Lots of things are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, but other criteria are more obscure like where you live or how financially stable you are.

The itemized list below are a partial list of the pieces insurance companies consider when setting prices.

• Avoid unnecessary add-on coverages – Policies have add-on coverages that can waste your money on your Acadia policy. Coverages like roadside assistance, towing coverage, and extra life insurance coverage may be costing you every month. They may sound like good ideas initially, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
• Insurance claims cost money – If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Ohio award the best rates to drivers that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of more catastrophic claims.
• Low mileage costs less – Driving more miles annually the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates compared to those used for work or business. It’s a good idea to make sure your insurance policy correctly shows how each vehicle is driven. An incorrectly rated Acadia may be costing you higher rates.

• Bad drivers pay high costs – Being a careful driver has a huge affect on how much you pay. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Getting just one driving citation can bump up the cost to the point where it’s not affordable. Drivers with careless citations like DUI or reckless driving might be required by their state to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.

  The information below illustrates how speeding tickets and at-fault fender-benders increase GMC Acadia auto insurance costs for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

• Insurance loss statistics a GMC Acadia – Insurance companies analyze past claim statistics to help determine the rate you pay. Models that have a trend towards higher claim severity or frequency will have higher rates for specific coverages.

  The next table shows the collected loss data for GMC Acadia vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers that are below 100 suggest a better than average loss history, while values that are 100 or greater indicate higher probability of having a loss or larger claims.

  
  

  GMC Acadia Insurance Claim Statistics

  Vehicle Make and 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

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper Columbus auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that can drop the cost substantially. Certain credits will be shown at quote time, but some discounts are required to be inquired about before they will apply. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
• Buy New and Save – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.
• College Student – Children who attend college more than 100 miles from Columbus and leave their car at home could qualify for this discount.
• 55 and Retired – Drivers that qualify as senior citizens are able to get a small discount on rates.
• Columbus Homeowners Discount – Just owning your own home can save you money due to the fact that maintaining a home shows financial diligence.
• Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
• Telematics Data Discounts – Policyholders that allow companies to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, that’s just not realistic.

The information below illustrates the difference between GMC Acadia insurance premiums with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.

To locate insurance companies who offer free GMC Acadia insurance quotes in Columbus, follow this link.

Get rate quotes but buy from a local Columbus insurance agency

Many drivers still like to get professional advice from a licensed agent and we recommend doing that Agents can point out coverage gaps and help file insurance claims. A good thing about price shopping on the web is the fact that drivers can get cheap car insurance quotes but still work with a licensed agent.

Upon completion of this form (opens in new window), the quote information is emailed to participating agents in Columbus that provide free Columbus car insurance quotes to get your business. There is no need to leave your computer due to the fact that quote results will go directly to your email. If you have a need to get a price quote from a specific car insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

Choosing the best insurance company shouldn’t rely on just the bottom line cost. These are valid questions to ask:

• Are claim adjusters local or do you have to take your car somewhere else?
• Does the company use OEM repair parts?
• Who is covered by the car insurance policy?
• Is assistance available after office hours?
• How are claims handled?

Independent or Exclusive: It’s your choice

If you would like to find a local Columbus insurance agency, it’s important to understand the different agency structures and how they function. Car insurance agents are classified as either independent or exclusive. Both handle car insurance, but it’s important to know how they are different because it may have an impact on the type of agent you choose.

Exclusive Agents

Agents that choose to be exclusive normally can only provide a single company’s rates such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are usually well trained on their company’s products which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agencies in Columbus who may provide you with price quote information.

View more Columbus agents

Independent Car Insurance Agencies

These agents can quote rates with many companies so they can quote policies with a variety of different insurance companies and find the cheapest car insurance rates. If you want to switch companies, the business is moved internally and you can keep the same agent.

When comparing car insurance rates, you need to get quotes from a few independent agents so that you can do a thorough price comparison.

Listed below is a short list of independent agents in Columbus who can help you get comparison quotes.

View more Columbus agents

After talking to the agent and getting reasonable responses to any questions you have and a low price estimate, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.

Persistent drivers can save

Discount GMC Acadia insurance in Columbus is attainable on the web and also from your neighborhood Columbus agents, and you should be comparing both to have the best selection. Some insurance providers do not offer online rate quotes and most of the time these small, regional companies only sell through independent agents.

As you restructure your insurance plan, never buy less coverage just to save a little money. In many cases, an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

We just covered many ways to lower your GMC Acadia insurance rates in Columbus. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest GMC Acadia rate quotes. You may even find the best price on auto insurance is with an unexpected company. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate or State Farm.

Steps to buying lower priced GMC Acadia insurance in Columbus

It takes a few minutes, but the best way to get budget car insurance rates in Columbus is to compare prices once a year from insurers who provide car insurance in Ohio. You can compare rates by completing these steps.

• Step 1: Spend some time learning about coverages and the factors you can control to lower rates. Many things that result in higher prices like traffic citations, accidents, and a low credit rating can be remedied by making minor changes to your lifestyle.
• Step 2: Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of companies.
• Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a better price, verify that coverage does not lapse between policies.

An essential thing to point out is to use the same level of coverage on each quote request and and to get rate quotes from as many auto insurance providers as possible. This helps ensure a fair price comparison and a complete price analysis.

Additional learning opportunities

• Child Safety FAQ (iihs.org)
• Who Has the Cheapest Columbus Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
• What Car Insurance is Cheapest for a Nissan Rogue in Columbus? (FAQ)
• Vehicle Insurance in the U.S. (Wikipedia)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)