How Much are Insurance Quotes for a GMC Acadia in California?

Your odds of finding the best cheap insurance for a GMC Acadia in California is dependent upon a lot of rating factors like whether you are married or single, whether or not you have prior claims, and your choice of physical damage deductibles. Drivers pay approximately $1,560 every 12 months for Acadia insurance, but that policy rate is a projection using a 40-year-old single male that included both comprehensive and collision coverage and $100 policy deductibles.

Chances are that you are not 40 and possibly not even male, possibly married instead of single, and maybe your Acadia is older and does not require full coverage. Every driver’s needs are different, and that is why the best way to find cheap insurance rates for your GMC is to just take the time to do a thorough rate comparison.

Insure Your GMC for Less

Your GMC’s trim level can impact the cost of insurance, so the price you pay to insure a Acadia SL 2WD model will be $238 less than the insurance cost for the higher-end Acadia SLT AWD version, as shown in the chart below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can influence auto insurance rates greatly.

Finding the right auto insurance company can be challenging considering how many different companies insure vehicles in California. The ranking data listed below could help you analyze which car insurance providers to look at comparing rates from. The rankings below include companies that write coverage in many states, so smaller companies that only insure vehicles in California are not factored into these rankings.

Top 10 Large Auto Insurance Providers in California Ranked by Customer Service

1. AAA of Southern California
2. State Farm
3. GEICO
4. The Hartford
5. Mercury Insurance
6. Progressive
7. The General
8. Allstate
9. American Family
10. AAA Insurance

Top 10 Large Auto Insurance Providers Overall in California

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top Companies for GMC Acadia Insurance in California

The illustration below highlights how deductible selection can increase or decrease yearly insurance costs when getting quotes for cheap insurance for a GMC Acadia. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could cut expenses by $366 a year by changing from a $100 deductible to a $500 deductible, or save $554 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices $918 annually by choosing a larger deductible amount. If you make the decision to raise deductibles, it will be required to have spare funds to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Allstate, Progressive, Geico, and State Farm compared

When researching insurance for an Acadia in California, some of the first companies to look at are Allstate, Progressive, Geico, and State Farm. The data below compares and contrasts some of the different features that you can purchase from each one.

Find cheap insurance for a GMC Acadia in California

The list below summarizes some of the recommended money-saving solutions that can help you locate the cheapest coverage.

• Pay less by remaining claim-free
• Vehicles with good safety ratings have lower liability rates
• Good credit scores may lower your rates
• Ensure your driving record is clean
• Drive attentively and avoid accidents
• Shop around for lower rates once a year

The last tip is especially crucial, as we emphasized in this write-up. Car insurance prices can change in a short period of time, so drivers shouldn’t be resistant to buy a different policy if a lower-cost policy is available.

Being loyal to a particular company is commendable, but it’s not a great idea if it’s costing you hundreds every year. It only takes a couple minutes to compare rates and find cheaper car insurance for a GMC Acadia.

Cheap GMC Acadia insurance quotes

Thanks to technology, there are a lot of ways to comparison shop for insurance in California, but the most frequently used ways are through an independent insurance agent, a captive (or exclusive) agent like Auto-Owners or State Farm, or from a direct company like Progressive. They all follow the same basic process, but insurance shoppers should know the differences in how they price policies.

Independent insurance agencies work with multiple companies and can quote your policy with all of them. They do not work for one specific company and can provide you with more rates, which can give you a better comparison. If they quote lower rates, your agent can just switch to a different company and the insured can keep the same agent.

A captive or exclusive agent is only able to place business with a single company like an Allstate or Liberty Mutual agent. Exclusive agencies are unable to provide other companys’ prices, so if their pricing is high, there is no alternative.

The third popular method of shopping for insurance is direct, which means you do not use an agent and buy from a direct company like Progressive or Geico. Shopping direct may be preferred by families who do not have a complex risk profile and have an above average understanding of what coverages they need.

So which method is best to buy cheap insurance for a GMC Acadia in California? It would be easy to say buying direct yields the cheapest rates since no commissions are paid to an agent, but in reality, that is not true. We could also say that using an independent agent saves the most money because they can shop around, but that assumption is also not necessarily accurate. And occasionally, exclusive agents may have very competitive prices that other companies cannot beat.

Because it’s impossible to say who has the best insurance rates, really the only way to buy the cheapest coverage is to get quotes and compare. We recommend you get quotes from all three types to give yourself enough choices. For a list of companies offering online discounts, click here to view.