Cheap Insurance for a GMC Acadia in Florida

Our content editors always give us grief that when writing about auto insurance, the words cheap or affordable should never be used anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a GMC Acadia is not always easy to find. Don’t get your dauber down, because we will show you how you can quote and buy auto insurance that fits into your budget.

The likelihood of finding the best cheap auto insurance for a GMC Acadia in Florida is dependent upon a complex rating formula that takes into consideration things such as whether you use your Acadia for business use, the likelihood of vehicle theft, and if you have a clean driving record. Drivers in Florida on average will pay $1,180 each year to insure their Acadia, but that price is an estimation based on cost data for a 30-year-old married female driver that has full comprehensive and collision coverage and $250 policy deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a female, single instead of married, or maybe your Acadia doesn’t need comprehensive and collision coverage. There is no perfect policy for every driver, so the only way to find cheap insurance prices for your GMC is to get into the habit of shopping around regularly.

Insure Your GMC for Less

The specific trim level tends to impact the cost of insurance, so the rate you will pay to insure a Acadia SL 2WD trim level will be $174 lower than the price to insure the more expensive Acadia SLT AWD trim level, as shown in the table below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in Florida location which can alter rates noticeably.

Finding dependable, affordable car insurance is tough enough, and figuring out which companies quote the lowest-priced car insurance rates for a GMC Acadia may require even more diligence. Each insurance company has their own formula for establishing rates, so let’s begin by examining the overall cheapest car insurance companies in Florida.

We do need to point out that Florida car insurance rates are influenced by many factors that control the policy price. Simply improving your credit score, buying a safer car, or getting into an accident may prompt premium changes resulting in some companies being more affordable than before.

Best Car Insurance Prices for Your Acadia

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USAA may have some of the most affordable car insurance rates in Florida at around $948 per year. Amica, Electric, Progressive, and Travelers are also some of the more affordable Florida car insurance companies.

As the rates illustrate above, if you buy coverage from Progressive and switched to USAA, you could realize a yearly price reduction of about $827. Customers with Travelers may save as much as $921 a year, and Allied insureds might reduce prices by as much as $1,037 a year.

To see if your current coverage is too expensive, click here to begin a quote or visit any of the companies below.

These policy prices are averaged across all drivers and vehicles in Florida and do not take into consideration a specific rate value for a GMC Acadia. So the car insurance company that fits your situation best may not even be featured in the above rate chart. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

Discounts on Florida auto insurance rates

Car insurance companies that provide cheap insurance for a GMC Acadia in Florida may have discounts that can lower rates by 40% or more if you are eligible. A few of the larger companies and the discounts they provide are shown below.

The information below shows the difference between insurance prices with and without some available policy discounts. The rates are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, multiple vehicle, anti-theft, multiple policy, accident-free, and homeowner discounts applied. With discounts applied, the average amount saved each year on car insurance for a GMC Acadia is % or $.

Difference between liability only and full coverage rates

Finding cheap insurance for a GMC Acadia in Florida should be important to the majority of vehicle owners, and one of the quickest ways to lower the cost of insurance is to only buy liability coverage. The information below compares car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The price estimates are based on no violations or claims, $100 deductibles, drivers are single, and no additional discounts are factored in.

As an average, physical damage coverage on your policy costs an additional $2,560 per year more than just buying liability insurance. That brings up the question if buying full coverage is worth the expense. There is no definitive formula for excluding full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s replacement value is $10,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $9,000 after you pay the deductible. If premiums are more than $900 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Who has the cheapest GMC Acadia insurance quotes?

Drivers have a lot of ways to purchase car insurance in Florida, but the most preferred ways are through an independent or non-exclusive agent, an exclusive insurance agent such as Liberty Mutual or State Farm, or from a direct company like Geico or Progressive. All three ways can provide car insurance quotes, but they are slightly different in how they function.

Independent agencies write for multiple companies and can get rate quotes from each one. These types of agents have the option to provide you with more rates, which can give you better odds of saving money. If a cheaper price is found, an independent agent can move your coverage and the insured can keep the same agent.

An exclusive ageny is able to quote prices with one company, examples being Farmers Insurance or State Farm agents. They generally cannot provide a range of price quotes, so you might not find the best rates.

The final way is buying direct, which means you bypass local insurance agents and instead buy direct from companies such as Progressive or Geico. Buying car insurance direct can be good for people who have an average risk profile and have a good understanding of what coverage options they need.

So what is the best way to find cheap insurance for a GMC Acadia in Florida? Our initial answer would be buying from a direct car insurance company results in the cheapest rates because there are no middleman commissions, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent guarantees the lowest rates due to increased selection, but again, that’s not accurate. In a lot of cases, exclusive agencies may have prices that are the cheapest in Florida.

Because there are so many factors that make up car insurance rates, the only true way to buy the cheapest coverage is to compare rate quotes from as many companies as possible. The best approach is to get prices from all three types to give yourself plenty of rates to compare. For a list of car insurance companies with low rates, click here to view.

How to find economical car insurance for a GMC Acadia

Lowering your rates is not difficult, and here are many money-saving suggestions that can help you locate lower-cost car insurance.

• Frequent claims may make car insurance unaffordable
• Save money by bundling your home and auto policies
• Higher deductibles mean lower rates
• Serious violations like DUI or reckless driving can increase rates dramatically
• Improve your credit score
• Drive attentively and avoid accidents
• Compare rates and switch if you can find a better deal

That last piece of advice is highly valuable, as we hit on in the article above. Insurance rates in Florida fluctuate considerably, so drivers shouldn’t hesitate to buy from a different company if you find a better deal.

Brand loyalty is great, but it’s not a great idea if that dedication is costing a small fortune. In just a couple of minutes you could compare rates and find cheaper car insurance for a GMC Acadia.

Company comparison: Progressive vs Allstate vs Geico vs State Farm

When it comes to buying insurance for an Acadia in Florida, four of the best places to start are Progressive, Allstate, Geico, and State Farm. The data below shows ratings and policy coverage options that policyholders can buy.