Who Has Cheap Insurance for a GMC Acadia in Colorado?

Finding cheap coverage for a GMC Acadia in Colorado depends on a complex formula that considers things like annual miles driven, the likelihood of your vehicle being stolen, and any prior driving citations you have received. Drivers in Colorado will pay around $1,010 each year for Acadia insurance, but that rate is a ballpark figure calculated using a 50-year-old single female driver who needs full coverage and $250 physical damage deductibles.

More than likely, you are not 50 and possibly not even female, married instead of single, and maybe you want higher deductibles. Having just a slight change in policy rating factors can result in a large change in rate quotes.

Auto insurance requires individual risk assessment, so the best method for finding cheap insurance prices for your GMC is to do the rate comparisons yourself. It takes less than five minutes and you can get rates from the best auto insurance companies that insure GMC vehicles in Colorado.

Compare Rates Now

Your vehicle’s trim level will likely have an effect on the cost of coverage, so the price to insure a Acadia SL 2WD will be $140 cheaper than the price to insure the fancier Acadia SLT AWD version, as shown below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in zip code location which can change prices considerably.

Picking a highly-rated company can be challenging considering how many companies provide coverage in Colorado. The information shown next could help you decide which auto insurers you want to consider shopping your coverage with. These ratings are only made up of large nationwide companies, so companies without a large exposure are not factored into these rankings.

Top 10 Major Car Insurance Companies in Colorado Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Top 10 Major Car Insurance Companies in Colorado Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Top Companies for GMC Acadia Insurance in Colorado

Rate difference between full and liability-only coverage

Finding cheap insurance for a GMC Acadia in Colorado is important to the majority of people, and one way to pay less for insurance is to only buy liability insurance. The chart below shows the difference between auto insurance rates with liability coverage only compared to full coverage. The information is based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.

If averaged out across all ages, full coverage on your policy costs $2,436 per year more than buying just liability insurance. That brings up the question if physical damage coverage is worth the money. There isn’t a written rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s claim settlement value is $10,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $9,000 after you pay the deductible. If you are paying in excess of $900 annually to have full coverage, then it may be the right time to buy liability only.

Geico, State Farm, Allstate, and Progressive: Who is best?

If you’re looking for the best insurance for an Acadia in Colorado, some of the largest companies to start with are Geico, State Farm, Allstate, and Progressive. The next table illustrates some of the different options that are available for buyers.

Cheap GMC Acadia insurance quotes

There are many different ways to compare car insurance prices in Colorado, but the most prevalent methods are using an exclusive insurance agent such as State Farm or Auto-Owners, an independent insurance agent, or buying direct from a company like Geico or Progressive. They all have the same end result, but it’s important to point out the distinctions in how they work.

Independent insurance agents can place your business with multiple companies and can get rate quotes from all of them. Agents of this type possess the freedom to get prices from more than one company, which can help you get a better chance of finding cheaper coverage. If a cheaper rate is found, your policy can be easily switched to a new company and you can remain with the same agent.

A captive, or exclusive, agent is only able to place business with a single insurance company, two of the more popular are Liberty Mutual and Allstate agents. They generally cannot give you multiple price quotes, so they have no alternatives for high prices.

When you buy car insurance direct, you bypass local insurance agents and buy direct either online or via phone. Shopping direct may be the best choice families who do not have a complex risk profile and know what car insurance covers and what it doesn’t.

So which way is best to find cheap insurance for a GMC Acadia in Colorado? We wish we could say shopping direct yields the cheapest rates since no commissions are paid to an agent, but unfortunately, that is not the case. We could also say that using an independent agent is the best way to save since they can provide multiple quotes, but again, it’s not a sure thing. In many cases, the exclusive agents may have very competitive prices that other companies cannot beat.

Since car insurance prices are based on many different factors, really the only way to buy the cheapest policy is to obtain price quotes and compare them. Money-saving experts recommend you get quotes from all three types in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.