Affordable Insurance for a GMC Acadia in Jacksonville

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A study showed that the vast majority of consumers kept their policy with the same company for more than four years, and almost half have never compared rates to find affordable insurance. Most drivers in Florida could save approximately 55% each year, but they mistakenly think it's difficult to save money by comparing rate quotes.

Insurance quote for GMC Acadia in JacksonvilleThe easiest way to find affordable quotes for auto insurance rates in Jacksonville is to regularly compare price quotes from companies that insure vehicles in Florida.

Step 1: Try to learn about how companies set rates and the measures you can take to keep rates in check. Many rating factors that cause high rates like careless driving and a not-so-good credit score can be improved by making small lifestyle or driving habit changes. Later in this article we will cover the details to get affordable coverage and earn larger discounts.

Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources.

Step 3: Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent to cancel your existing policy. Submit payment and a completed application to the new company. Once the application is submitted, keep the new certificate of insurance in your glove compartment.

One key aspect of rate comparisons is that you'll want to make sure you compare similar deductibles and liability limits on every price quote and and to analyze every insurance company. Doing this provides an apples-to-apples comparison and maximum price selection.

If you have insurance now or just want a better rate, you can use these tips to get lower rates and possibly find even better coverage. Quoting and comparing rates for the lowest cost coverage in Jacksonville is easy to do. Drivers just need to understand the proper way to compare company rates from many different companies.

The auto insurance companies shown below have been selected to offer free quotes in Jacksonville, FL. If multiple companies are listed, it's a good idea that you compare several of them in order to find the cheapest rates.

Car insurance analysis for a GMC Acadia

The information displayed below highlights different insurance prices for GMC Acadia models. Having knowledge of how premiums are determined can benefit drivers when making smart choices when selecting a policy.

GMC Acadia Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $256 $410 $430 $26 $128 $1,250 $104
Acadia SL AWD $294 $410 $430 $26 $128 $1,288 $107
Acadia SLE 2WD $294 $410 $430 $26 $128 $1,288 $107
Acadia SLE AWD $294 $500 $430 $26 $128 $1,378 $115
Acadia SLT 2WD $294 $500 $430 $26 $128 $1,378 $115
Acadia SLT AWD $332 $500 $430 $26 $128 $1,416 $118
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in garaging location in Jacksonville which can revise insurance rates substantially.

Where to set your deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The figures shown below show the costs and benefits when you choose different insurance deductibles. The first price estimate table uses a $250 deductible and the second rate chart uses a $1,000 deductible.

GMC Acadia insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $280 $446 $418 $24 $124 $1,317 $110
Acadia SL AWD $322 $446 $418 $24 $124 $1,359 $113
Acadia SLE 2WD $322 $446 $418 $24 $124 $1,359 $113
Acadia SLE AWD $322 $544 $418 $24 $124 $1,457 $121
Acadia SLT 2WD $322 $544 $418 $24 $124 $1,457 $121
Acadia SLT AWD $364 $544 $418 $24 $124 $1,499 $125
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GMC Acadia insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $174 $280 $418 $24 $124 $1,020 $85
Acadia SL AWD $200 $280 $418 $24 $124 $1,046 $87
Acadia SLE 2WD $200 $280 $418 $24 $124 $1,046 $87
Acadia SLE AWD $200 $342 $418 $24 $124 $1,108 $92
Acadia SLT 2WD $200 $342 $418 $24 $124 $1,108 $92
Acadia SLT AWD $224 $342 $418 $24 $124 $1,132 $94
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in garaging location in Jacksonville which can influence price quotes substantially.

We can derive from the above data that using a $250 deductible would cost the average driver about $27 more each month or $324 annually across all GMC Acadia models than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 28 months between claims, you would save more money going with the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important thing to remember is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you have a physical damage claim. You must have enough disposable savings in the event you need to pay the deductible.

The information below shows how choosing a deductible and can affect GMC Acadia insurance costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Cautious Jacksonville drivers save money

The example below highlights how speeding tickets and at-fault fender-benders can influence GMC Acadia auto insurance rates for each different age group. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The example below shows the comparison of GMC Acadia car insurance rates with and without full coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no set rule for excluding physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your GMC Acadia settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If it's costing you more than $600 a year for physical damage coverage, then it might be time to buy liability only.

There are some conditions where only buying liability is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

It may be expensive, but it's not optional

Even though it can be expensive, car insurance may be required for several reasons.

  • Almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your GMC, almost all lenders will require you to buy full coverage to guarantee payment of the loan. If you default on your policy, the bank may insure your GMC at a more expensive rate and require you to reimburse them the higher price.
  • Insurance safeguards both your assets and your car. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your GMC gets damaged, collision and comprehensive coverages will cover the repair costs.

The benefits of buying car insurance are without a doubt worth the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays as much as $825 a year so shop around each time the policy renews to save money.

Affordable rates on GMC Acadia insurance in Jacksonville with these six auto insurance discounts

Auto insurance is not inexpensive, but you might find some hidden discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be requested specifically in order for you to get them.Cheaper auto insurance with discounts

  • Multiple Vehicles - Drivers who insure primary and secondary vehicles on a single policy could earn a price break for each car.
  • Accident Forgiveness Coverage - This isn't a discount exactly, but companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a set time period.
  • Own a Home and Save - Just owning your own home can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and will qualify for a discount on a Jacksonville auto insurance quote.
  • Driving Data Discount - Insureds who allow their auto insurance company to analyze when and where they use their vehicle by installing a telematics device such as Progressive's Snapshot may get a rate reduction if their driving habits are good.
  • Driver Education Discount - Require your teen driver to participate in a local driver's education class as it can save substantially.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So even though you would think you can get free auto insurance, company stockholders wouldn't be very happy.

The illustration below illustrates the difference between GMC Acadia auto insurance rates with and without policy discounts. The prices are based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.

For a list of auto insurance companies that offer many of these discounts in Jacksonville, click here.

Compare rates but still have a local Jacksonville insurance agency

Certain consumers would prefer to talk to an insurance agent and often times that is recommended Most agents are very good at helping people manage risk and give you someone to call. A good thing about comparing rates online is that you can obtain the best rates and still have a local agent.

Find insurance agent in JacksonvilleFor easy comparison, once you complete this short form, your coverage information is instantly submitted to insurance agents in Jacksonville who can give free rate quotes for your coverage. It makes it easy because there is no need to contact an agency as quotes are delivered to you directly. In the event you want to compare prices from a specific company, you can always navigate to their website to submit a rate quote request.

Finding a good insurer requires more thought than just the bottom line cost. The questions below may impact your decision as well.

  • How long have they been in business?
  • Are they properly licensed to sell insurance in Florida?
  • What company do they have the most business with?
  • Does the company have a solid financial rating?
  • How much will you save each year by using a higher deductible?
  • Will they make sure you get an adequate claim settlement?
  • If your car is totaled, how to they determine the replacement cost?
  • Do they get paid more for recommending certain coverages?

You may need specialized car insurance coverage

When selecting coverage for your vehicles, there really is no cookie cutter policy. Everyone's needs are different and your policy should reflect that.Safe vehicles cost less to insure For instance, these questions may help you determine whether your personal situation might need an agent's assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • If my pet gets injured in an accident are they covered?
  • Do I need rental car coverage?
  • What if I owe more than I can insure my car for?
  • Why am I required to get a high-risk car insurance policy?
  • Can I get a multi-policy discount?
  • Is my nanny covered when transporting my kids?
  • When should I drop full coverage on my GMC Acadia?
  • Do I need an umbrella policy?

If you can't answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Insurance coverage options for a GMC Acadia

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you'll find the usual coverages found on most insurance policies.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 10/20/10 that means you have $10,000 in coverage for each person's injuries, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things like loss of income, emergency aid, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford. Florida requires drivers to carry at least 10/20/10 but drivers should carry more coverage.

The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as doctor visits, ambulance fees, rehabilitation expenses, prosthetic devices and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your GMC Acadia.

Since many Florida drivers only carry the minimum required liability limits (10/20/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This will pay to fix damage to your Acadia resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible on your Acadia to save money on collision insurance.

Be persistent and save

We've covered some good ideas how you can shop for GMC Acadia insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with some of the lesser-known companies. These companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

When searching for cheaper Jacksonville auto insurance quotes, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price.

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