Best Cheap Insurance Quotes for a GMC Acadia in New Jersey

The likelihood of finding the best cheap car insurance for a GMC Acadia in New Jersey is dependent upon a large number of factors such as your vehicle’s safety rating, where you live, and driving violations and tickets. Drivers pay around $930 a year for Acadia insurance, but that policy rate is an estimate that uses rate data for a 50-year-old married female that wants full comprehensive and collision coverage and $1,000 policy deductibles.

It’s more than likely you are not a 50-year-old female, possibly single instead of married, or maybe you live in a different part of New Jersey than the example. Making even small differences in quote information may result in significant differences in the cost of coverage for a GMC Acadia.

Car insurance coverage is unique to each driver, so this is why the most reliable method for finding the most affordable coverage for your GMC is to regularly compare rates at renewal. To start saving now, get free quotes and you will receive rate quotes from some of the best insurers that offer coverage in New Jersey.

Compare GMC Acadia Insurance Rates

The trim level of your GMC will have an impact the insurance rate, so the price to insure a Acadia SL 2WD model will be $104 cheaper than the price to insure the more expensive Acadia SLT AWD version, as demonstrated by the prices below.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can influence rates noticeably.

Ending up with the highest-rated company can be rather challenging considering how many choices you have in New Jersey. The company information displayed below could help you analyze which auto insurers you want to consider shopping prices with.

These rankings are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in New Jersey are not included in this list. To compare prices from these and other top-rated companies, just click here.

Top 10 Large Car Insurance Companies in New Jersey Ranked by Value

1. The Hartford
2. Mercury Insurance
3. Farmers Insurance
4. Safeco Insurance
5. AAA Insurance
6. 21st Century
7. Travelers
8. State Farm
9. Progressive
10. American Family

Top Companies for GMC Acadia Insurance in New Jersey

Full coverage versus liability only rates

Finding the best cheap insurance for a GMC Acadia in New Jersey should be important to the majority of vehicle owners, and one common way to pay less for insurance is to only buy liability insurance. The information below compares car insurance rates with full coverage compared to only the New Jersey minimum liability coverage. The rates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.

As an average, comprehensive and collision coverage on your policy costs an extra $2,775 per year more than just insuring for liability. Many drivers may wonder if buying full coverage is a waste of money. There is no definitive guideline of when to phase out physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s claim settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,500 after you pay the deductible. If you are paying over $350 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where only buying liability is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Drive responsibly or pay higher rates

The common sense way to receive the most affordable auto insurance premiums for an Acadia is to drive attentively and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault collisions influence auto insurance rates for different age groups of insureds. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy per year with no accidents or violations is $1,928. Receive one speeding ticket and the average cost rises to $2,249, an increase of $321 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a GMC Acadia increases to an average of $3,131. That’s an increase of $1,203, or $100 per month, just for being a careless driver!

Is State Farm, Allstate, Progressive, or Geico cheaper?

If you want the best insurance for an Acadia, four companies you’ll want quotes from are State Farm, Allstate, Progressive, and Geico. When combined, they have about half of all car insurance policies in America. They all have the same basic coverages, but each one has a slightly different mix of options and features that may steer you one way or another. The data below rates some of the different features shoppers can expect to find with each one.