The best way to save on GMC Acadia insurance is to make a habit of comparing prices annually from providers in Orlando.
- First, get an understanding of how insurance companies determine prices and the things you can control to keep rates in check. Many rating criteria that are responsible for high rates like at-fault accidents, speeding tickets, and an unacceptable credit score can be controlled by making small lifestyle or driving habit changes.
- Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can quote prices for a wide range of companies.
- Third, compare the new rates to your existing rates and determine if cheaper Acadia coverage is available. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Fourth, tell your current company of your intent to cancel your existing policy and submit payment and a completed application for the new coverage. As soon as coverage is bound, place your new certificate verifying proof of insurance somewhere easily accessible.
One thing to remember is that you use the same amount of coverage on each quote request and to quote with as many carriers as you can. Doing this ensures a fair price comparison and the best rate selection.
It’s well known that auto insurance companies don’t want their customers to go rate shopping. Drivers who compare other prices are inclined to switch companies because they have good chances of finding good coverage at a lower price. A recent survey revealed that consumers who make a habit of shopping around saved $860 a year as compared to drivers who never shopped around for lower prices.
If finding discount rates on GMC Acadia insurance in Orlando is your goal, knowing the best way to quote and compare insurance premiums can make it easier to shop your coverage around.
Companies offering competitive GMC Acadia rates in Orlando, FL
The companies shown below have been selected to offer comparison quotes in Orlando, FL. In order to find cheap auto insurance in Orlando, it’s a good idea that you click on several of them to get the best price comparison.
GMC Acadia insurance analysis
The rate table displayed next covers detailed analysis of insurance coverage prices for GMC Acadia models. Learning more about how insurance premiums are established can be of help when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Acadia SL AWD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Acadia SLE 2WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Acadia SLE AWD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Acadia SLT 2WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Acadia SLT AWD | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can modify rates significantly.
Analysis of deductible levels
One frequently asked question is which comprehensive and collision deductibles to buy. The data tables below lay out the rate differences when you buy lower versus higher coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $312 | $532 | $418 | $24 | $124 | $1,435 | $120 |
| Acadia SL AWD | $358 | $532 | $418 | $24 | $124 | $1,481 | $123 |
| Acadia SLE 2WD | $358 | $532 | $418 | $24 | $124 | $1,481 | $123 |
| Acadia SLE AWD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Acadia SLT 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Acadia SLT AWD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Acadia SL AWD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Acadia SLE 2WD | $262 | $360 | $418 | $24 | $124 | $1,188 | $99 |
| Acadia SLE AWD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Acadia SLT 2WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Acadia SLT AWD | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific garaging location which can revise rates greatly.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $26 more each month or $312 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claim filings, you would save more money if you elect the higher deductible.
The illustration below illustrates how choosing a deductible and can impact GMC Acadia insurance premiums for different age categories. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Liability only or full coverage
The illustration below illustrates the difference between GMC Acadia premium costs with full physical damage coverage and with liability coverage only. The data is based on no violations or accidents, $250 deductibles, single status, and no other discounts are factored in.
When to stop buying physical damage coverage
There is no exact rule to stop paying for physical damage coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your GMC Acadia book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the deductible is paid. If you are paying more than $400 annually for full coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Auto insurance discounts help lower rates for GMC Acadia insurance in Orlando
Companies don’t always list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known credits available to lower your premiums when you buy Orlando auto insurance online.
- Theft Deterrent Discount – Cars and trucks with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
- Onboard Data Collection – Drivers who elect to allow their auto insurance company to monitor driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
- Mature Driver Discount – Seniors can get better auto insurance rates.
- Safe Driver Discounts – Drivers who don’t get into accidents may save up to 50% more as compared to drivers with claims.
- Drive Less and Save – Low mileage vehicles can qualify you for cheaper auto insurance rates.
- Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
Please keep in mind that some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So even though you would think you could get a free auto insurance policy, it just doesn’t work that way.
The diagram below shows the difference between GMC Acadia insurance costs with and without policy discounts. The rates are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, marriage, and safe-driver discounts applied.
If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts in Florida, follow this link.
Which policy gives me the best coverage?
Always remember that when buying insurance from an agent or online, there isn’t really a perfect coverage plan. Each situation is unique and your car insurance should unique, too. For example, these questions could help you determine whether or not you might need professional guidance.
- Is pet coverage available?
- Does insurance cover tools stolen from my truck?
- What is the difference between personal and commercial auto insurance policies?
- Where can I find DUI or SR-22 insurance?
- Is my ex-spouse still covered by my policy?
- Does my policy cover me when driving someone else’s vehicle?
- Can my babysitter drive my car?
- Do I have coverage when using my vehicle for my home business?
- Does coverage extend to my business vehicle?
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Car insurance agents can help
Certain consumers prefer to sit down and talk to an agent and that is not a bad decision One of the great benefits of comparing insurance online is the fact that drivers can get cheap insurance rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, your information is immediately sent to participating agents in Orlando who will gladly provide quotes to get your business. You never need to visit any agencies because quoted prices will be sent to your email. Get lower rates without requiring a lot of work. If you wish to compare rates for a specific company, just visit that company’s website and fill out their quote form.
Choosing the best insurance company needs to be determined by more than just a cheap price. Any agent in Orlando should be willing to answer these questions.
- Will you get a loaner vehicle if you car is being repaired?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have a Better Business Bureau rating in Orlando?
- Is the agent CPCU or CIC certified?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Insurance agent types
When finding a local agent, you must know there are a couple types of agencies that you can choose from. Orlando agents are either independent or exclusive.
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company such as Farmers Insurance and State Farm. Exclusive agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company’s products which can be an advantage. Consumers frequently buy from exclusive agents primarily because of the brand rather than having the cheapest rates.
Listed below are Orlando exclusive insurance agents who may provide you with price quote information.
- Chris Vella – State Farm Insurance Agent
992 N Semoran Blvd – Orlando, FL 32807 – (407) 898-8836 – View Map - Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map - Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not locked into one company and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If you are not satisfied with one company, they simply move your policy to a different company and the insured can keep the same agent.
When comparing insurance rates, you will want to check rates from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with smaller mutual companies who may have lower rates.
The following is a short list of independent insurance agencies in Orlando that can give you rate quotes.
- HealthMarkets Insurance Agency
5728 Major Blvd #705 – Orlando, FL 32819 – (407) 440-8665 – View Map - GreatFlorida Insurance – Don Greene
1300 N Semoran Blvd Suite 180 – Orlando, FL 32807 – (407) 894-6363 – View Map - Universal Insurance Agency
1548 S Semoran Blvd – Orlando, FL 32807 – (407) 898-1116 – View Map
What is the best auto insurance company in Orlando?
Choosing a highly-rated insurer can be rather challenging considering how many companies sell coverage in Orlando. The company rank data in the lists below could help you analyze which car insurance providers to look at purchasing a policy from.
Top 10 Orlando Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Orlando Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Keep this in mind when shopping around
Cheap GMC Acadia insurance in Orlando is possible on the web and from local agencies, so you should compare both so you have a total pricing picture. A few companies do not offer rate quotes online and most of the time these smaller providers only sell coverage through independent insurance agencies.
In this article, we covered a lot of information how to compare GMC Acadia insurance car insurance rates in Orlando. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as GEICO and State Farm.
Other learning opportunities
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for a Dodge Ram in Orlando? (FAQ)
- Who Has Affordable Orlando Car Insurance Rates for Real Estate Agents? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Altima in Orlando? (FAQ)
- Who Has the Cheapest Orlando Car Insurance Quotes for Young Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for Nurses in Orlando? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)