Who Has Cheap Insurance for a GMC Acadia in Indiana?

When discussing auto insurance, the word “cheap” really should not be used as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a GMC Acadia can be hard, if not impossible, to find. But don’t despair, because we will show you how you can quote car insurance that you can fit into your budget.

The chances that you’ll find the best cheap car insurance for a GMC Acadia in Indiana depends upon a large number of factors such as if you own your home, the performance level of your vehicle, and your choice of deductibles. Indiana drivers pay an average of $870 a year to insure a GMC Acadia, but that amount is an estimate using rate data for a 30-year-old married male that wants full physical damage coverage and $100 policy deductibles.

Chances are good that you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you have a couple of speeding tickets. Everyone has different rating factors, so the most reliable method for finding the most affordable coverage for your GMC is to comparison shop your policy at each renewal.

Insure Your GMC for Less

Your vehicle’s trim level tends to impact the yearly cost, so the price to insure a Acadia SL 2WD will cost $140 less than the price to insure the higher-end Acadia SLT AWD model, as shown in the table below.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in garaging location in Indiana which can influence price quotes noticeably.

Finding decent, affordable car insurance is easier said than done, and deciding which company has the most affordable insurance rates for a GMC Acadia will require even more diligence. Each insurer uses their own formula for establishing rates, so let’s rank the most competitive insurance companies in Indiana.

It’s important to know that Indiana insurance rates are determined by lots of factors that will increase or decrease the price you have to pay. Things like getting older, increasing deductibles, or having a fender bender can trigger rate changes that can cause some rates to be higher when they were quite affordable.

Cheapest Insurance Rates for Your Acadia

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Travelers normally has some of the lowest car insurance rates in Indiana at around $620 a year. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the cheaper Indiana auto insurance companies.

As shown above, if you are currently insured with Western Reserve and switched to Cincinnati Insurance, you could earn yearly savings of about $174. Drivers with The Hartford could save as much as $191 a year, and Indiana Farmers Mutual insureds might see rate reductions of $203 a year.

These rates are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a GMC Acadia. So the insurer that fits you best may not even be included in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Discount Indiana auto insurance

Insurers that sell cheap insurance for a GMC Acadia in Indiana could also offer price discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. A list of insurance companies and the discounts they provide are shown below.

The diagram below shows the difference between car insurance rates with and without discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, safe-driver, claim-free, vehicle safety, homeowner, and multiple policy discounts applied. When discounts are factored in, the average amount saved each year on insurance for a GMC Acadia is % or $.

Full coverage rates compared to liability only

Finding cheap insurance for a GMC Acadia in Indiana is important to the majority of vehicle owners, and one of the quickest ways to find cheaper insurance is to buy only liability coverage. The chart below shows the comparison of insurance costs with full phyical damage coverage and with liability coverage only. The rate quotes are based on no violations or claims, $500 deductibles, single marital status, and no discounts are factored in.

Averaged out for all age groups, full coverage costs $1,473 per year over liability only. Many people question if paying for full coverage is worth it. There is no clear-cut formula to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s book value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,500 after paying the physical damage deductible. If you are currently paying more than $850 annually for full coverage, then it might be time to consider dropping full coverage.

How to find economical car insurance for a GMC Acadia

The list below shows a few money-saving suggestions that can help Indiana drivers find more affordable car insurance.

• Buy vehicles with good safety ratings
• Bundle home and auto and earn a discount
• Do not pay for full coverage if not needed
• Having at-fault accidents will increase rates
• Better credit scores save money
• Compare rate quotes frequently

That last tip is incredibly significant, as we discussed in the prior article. Rates fluctuate constantly, so don’t be hesitant to switch companies if you can find a cheaper rate.

Many drivers prefer to stick with one company, but is isn’t recommended if that devotedness results in you overpaying money that could be going to better use. It only takes a couple minutes to compare rates to find cheaper car insurance for a GMC Acadia.

Who is cheaper: State Farm, Allstate, Progressive, or Geico?

If you want the best insurance for an Acadia in Indiana, four companies to consider are State Farm, Allstate, Progressive, and Geico. All of them have a distict selection of optional coverages and features that may influence which company you choose. The following table shows price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.