Cheapest Insurance for a GMC Acadia in Arlington

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GMC Acadia insurance
GMC Acadia insurance image courtesy of QuoteInspector.com

Are you trying to find more competitive GMC Acadia insurance in Arlington? Are you burned out from not being able to scrape enough together to make your car insurance payment? You are in the same boat as many other people in Texas.

Insurance for GMC AcadiaIt's hard to believe, but about 70% of customers have been with the same company for over three years, and nearly 40% of drivers have never even compared quotes to find lower-cost rates. Consumers in Arlington could save themselves about 70% a year by just shopping around, but they don't want to take the time to compare rates online.

Insurance companies such as Allstate, Progressive and GEICO increase brand awareness with advertising and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

Most larger insurance companies like State Farm, Allstate and GEICO allow consumers to get coverage prices on the web. This process can be done by anyone as you simply enter the coverage amounts you desire into a form. After the form is submitted, their rating system gets reports for credit and driving violations and generates pricing information. The ability to get online rate quotes for GMC Acadia insurance in Arlington makes comparing rates easy, and it's absolutely necessary to have as many quotes as possible if you want to find the most affordable possible premiums on auto insurance.

To compare rates using this form now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you duplicate the insurance coverages exactly as shown on your declarations page. Doing this assures you will receive a price comparison using the same coverage and limits.

The auto insurance companies shown below are our best choices to provide quotes in Texas. To get cheap auto insurance in Arlington, we recommend you click on several of them in order to find the cheapest rates.

Coverage statistics and figures

The coverage information displayed below outlines different insurance rates for GMC Acadia models. Understanding more about how car insurance premiums are established can help guide drivers when making smart choices when purchasing an insurance policy.

GMC Acadia Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $246 $502 $430 $26 $128 $1,332 $111
Acadia SL AWD $282 $502 $430 $26 $128 $1,368 $114
Acadia SLE 2WD $282 $502 $430 $26 $128 $1,368 $114
Acadia SLE AWD $282 $610 $430 $26 $128 $1,476 $123
Acadia SLT 2WD $282 $610 $430 $26 $128 $1,476 $123
Acadia SLT AWD $318 $610 $430 $26 $128 $1,512 $126
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can affect prices substantially.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates may help to illustrate the differences in premium rates between high and low physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

GMC Acadia insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $256 $408 $382 $22 $114 $1,207 $101
Acadia SL AWD $294 $408 $382 $22 $114 $1,245 $104
Acadia SLE 2WD $294 $408 $382 $22 $114 $1,245 $104
Acadia SLE AWD $294 $496 $382 $22 $114 $1,333 $111
Acadia SLT 2WD $294 $496 $382 $22 $114 $1,333 $111
Acadia SLT AWD $332 $496 $382 $22 $114 $1,371 $114
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GMC Acadia insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $158 $256 $382 $22 $114 $932 $78
Acadia SL AWD $182 $256 $382 $22 $114 $956 $80
Acadia SLE 2WD $182 $256 $382 $22 $114 $956 $80
Acadia SLE AWD $182 $312 $382 $22 $114 $1,012 $84
Acadia SLT 2WD $182 $312 $382 $22 $114 $1,012 $84
Acadia SLT AWD $206 $312 $382 $22 $114 $1,036 $86
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in your specific Arlington location which can alter premiums considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $26 more each month or $312 every year averaged for all Acadia models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 29 months between claims, you would probably be better off by going with a higher deductible. Below is how you can make your own decision.

Average monthly premium for $250 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): - $82
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One thing to note is that increasing deductibles to save money results in a higher out-of-pocket expense if you have a claim. That will necessitate enough disposable savings in order to pay the deductible to have repairs made.

How careless driving impacts Arlington car insurance rates

The illustration below illustrates how speeding tickets and at-fault collisions drive up GMC Acadia insurance prices for different categories of driver ages. The data assumes a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The chart below illustrates the comparison of GMC Acadia insurance prices with full coverage and liability only. The premium estimates are based on no claims or violations, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to buy liability coverage only

There is no set rule that is best for determining when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's say your GMC Acadia settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the deductible is paid. If you are currently paying more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some situations where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Why You Might Pay Higher Rates in Arlington

Many different elements are used in the calculation when premium rates are determined. Some are obvious such as your driving record, but others are not as apparent like your continuous coverage or how financially stable you are. Smart consumers have a good feel for the factors that are used to determine insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with better insurance rates.

Listed below are some of the factors used by insurance companies to determine your premiums.

  • Discounts for married drivers - Having a significant other may earn you lower rates compared to being single. Having a significant other usually means you are more financially stable and insurance companies like that drivers who are married are more cautious.
  • Liability insurance is critical - The liability section of your policy will provide protection when a court rules you are at fault for personal injury or accident damage. This coverage provides legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Do thieves like your car? - Buying a car with a theft deterrent system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft and help bring rates down.
  • A good credit history can save money - A driver's credit history is a big factor in determining what you pay for insurance. People with good credit tend to be more responsible and file fewer claims as compared to drivers with poor credit scores. Therefore, if your credit is lower than you'd like, you may save money insuring your GMC Acadia if you improve your credit rating.
  • GMC Acadia claim data - Insurance companies use past loss statistics for each vehicle to help determine the rate you pay. Models that the data shows to have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The next table shows the actual insurance loss data for GMC Acadia vehicles.

    For each policy coverage, the claim probability for all vehicles, as an average, equals 100. Percentage numbers below 100 are indicative of better than average losses, while numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

    GMC Acadia Insurance Loss Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    GMC Acadia 4dr 2WD 75 86 73 71 69 80
    GMC Acadia 4dr 4WD 83 100 88 62 63 80
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Insurance does more than just repair your car

Despite the high cost of buying insurance for a GMC Acadia in Arlington, insurance may be required for several reasons.

  • Most states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, almost all lenders will require that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your GMC for a much higher rate and force you to pay much more than you were paying before.
  • Insurance preserves both your assets and your GMC Acadia. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. But the average American driver is wasting up to $865 each year so you should quote and compare rates at least once a year to save money.