Finding cheaper car insurance for a GMC Acadia is normally pretty easy, but it relies on a whole bunch of rating criteria such as the age of the Acadia, your credit status, and any past driving violations you may have had. Drivers will pay on average $555 per year to insure their Acadia, but that is a projection using a 40-year-old married male driver with full physical damage coverage and $500 deductibles.
There’s a good chance you are not 40 and maybe not even a male, possibly single instead of married, or maybe your Acadia doesn’t need full coverage. Just a slight change in rating factors or requested coverage amount can make a big difference in the amount insurance costs for a GMC Acadia.
Everone’s needs are different, and this illustrates why the only way to find the cheapest rates for your GMC is to do the rate comparisons yourself.
The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Acadia SL 2WD trim level will be $72 less than the price to insure the higher-end Acadia SLT AWD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$114||$180||$234||$14||$70||$612||$51|
|Acadia SL AWD||$130||$180||$234||$14||$70||$628||$52|
|Acadia SLE 2WD||$130||$180||$234||$14||$70||$628||$52|
|Acadia SLE AWD||$130||$220||$234||$14||$70||$668||$56|
|Acadia SLT 2WD||$130||$220||$234||$14||$70||$668||$56|
|Acadia SLT AWD||$146||$220||$234||$14||$70||$684||$57|
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle location which can alter coverage rates considerably.
Trying to find budget auto insurance is not the easiest thing to do, and finding out which company has the cheapest insurance rates for a GMC Acadia will require even more perseverance.
Every insurance company has a different formula for setting rates, so we need to take a look at the insurance companies with the most affordable rates in Ohio.
Compare Cheap Insurance Quotes for Your Acadia
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$748|
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Utica National may offer some of the lowest car insurance rates in Cleveland at around $635 per year. This is $405 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA would also make the list of some of the best Cleveland, OH insurance companies.
As shown above, if you are currently insured with Erie and switched to Utica National, you could see an annual premium reduction of in the neighborhood of $32. Insureds with Allied might save as much as $34 a year, and Frankenmuth insureds might lower prices by up to $73 a year.
Be aware that those premiums are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for a GMC Acadia. So the insurer that fits your age and vehicle best may not even be in the top 33 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Types of discounts on Cleveland insurance
Car insurance companies that provide coverage for a GMC Acadia may also give you discounts that can lower rates by 40% or more if you meet the requirements. Companies and their possible discounts are shown below.
- GEICO may offer discounts for membership and employees, air bags, five-year accident-free, seat belt use, daytime running lights, and good student.
- SAFECO discounts include anti-lock brakes, accident prevention training, anti-theft, bundle discounts, safe driver, multi-car, and teen safe driver.
- State Farm has savings for student away at school, good student, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, and accident-free.
- MetLife offers premium reductions for defensive driver, good student, good driver, multi-policy, accident-free, and claim-free.
- 21st Century has discounts for theft prevention, air bags, homeowners, anti-lock brakes, automatic seat belts, student driver, and 55 and older.
- Progressive offers discounts including multi-policy, homeowner, good student, multi-vehicle, online signing, continuous coverage, and online quote discount.
The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multiple policy, vehicle safety, and accident-free discounts applied. With discounts applied, theamount saved on insurance for a GMC Acadia is 28% or $405.
Accidents and violations increase rates
One of the best ways to receive cheap insurance rates in Ohio for an Acadia is to pay attention while driving and maintain a clean driving record. The information below demonstrates how citations and accidents increase insurance rates for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy in Ohio per year with no accidents or violations is $1,225. Get written up for one speeding ticket and the average cost surges to $1,423, an increase of $198 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a GMC Acadia goes up to an average of $3,066. That’s an increase of $1,841, or $153 per month, just for being a little careless behind the wheel!
Last year’s bargain might be this year’s rip off
Cleveland, OH insurance rates are determined by lots of factors which can substantially change the cost of your policy. Improving your credit rating, moving to a new city, or getting into an accident may prompt premium changes that can cause some rates to be more affordable than others.
Not only may your risk profile change, but insurers amend premium rates as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may cause increased rates, while profitable underwriting may produce lower-priced Acadia insurance rates.
For example, the graph below shows the cheapest car insurance in Cleveland, OH for a 35-year-old male driver with a clean driving record, no accidents, and a good credit history. If we estimate rates based on his current rating profile, Utica National quotes the most affordable car insurance rates in Cleveland at $811 each year. This is $229 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remaining cheapest Cleveland, OH auto insurance companies.
The example below compares rates after we give the driver in the first chart a chargeable accident, a little lower credit rating, and a speeding citation. Since each auto insurer uses their own formula to determine rates, comparing insurance quotes may now present a completely different list of the cheapest car insurance companies in Cleveland as shown below.
Merchants Insurance Group now has the lowest price on auto insurance in Cleveland, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This shows why Ohio drivers need to do a thorough rate comparison to get the lowest car insurance rates for a GMC Acadia. Insurance prices are made up of many risk factors and change substantially, so the best price six months ago may now be quite expensive.
How to find low-cost auto insurance for a GMC Acadia
Below you’ll find some of the better money-saving ideas that can help drivers quote cheap coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Buying your home and auto policies from the same company can earn a discount
- Increase your credit score
- Drive vehicles with five-star safety ratings
- Having at-fault accidents will increase rates
- Look for cheaper rates once a year by shopping around
The last tip is particularly significant, as was pointed out in this write-up. Coverage prices adjust often, so drivers shouldn’t be resistant to buy a different policy if a cheaper rate is available. Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you money that could be going to better use. In just a few minutes you could compare prices and find cheaper car insurance for a GMC Acadia in Cleveland.
If you aren’t sure which coverage you need and prefer to have some advice when trying to find lower insurance rates for an Acadia, the professional agents shown below are a good start to provide answers to your questions and help you determine which coverages are best. To locate an agency close to where you live, click the link at the bottom or click here to compare prices now.
- Mraz Insurance Agency
20180 Center Ridge Rd – Cleveland, OH 44116 – (440) 356-2055
- Insurance Agency Compass
4879 Turney Rd – Cleveland, OH 44125 – (216) 341-2444
- LEUSCH Insurance Services Agency, Inc. / INSURANCE CONCEPTS
16903 Fischer Rd – Lakewood, OH 44107 – (216) 228-3333
- Abc Auto Insurance Agency Inc.
1970 E 55th St – Cleveland, OH 44103 – (216) 881-2600
- Farmers Insurance – Earl Soroka
1621 Euclid Ave #408 – Cleveland, OH 44115 – (216) 452-0885