Astonishing but true, the vast majority of insurance customers kept their coverage with the same insurance company for well over three years, and 38% of customers have never shopped around. California drivers could save about 35% a year by just comparing rate quotes, but they just assume it’s a time-consuming process to compare rates online.
Really, the only way to save money on GMC Acadia insurance in San Jose is to compare quotes annually from providers in California. You can compare rates by following these steps.
- Read and learn about individual coverages and the factors you can control to prevent expensive coverage. Many risk factors that are responsible for high rates like distracted driving and an imperfect credit score can be amended by making lifestyle changes or driving safer.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies.
- Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
The most important part of this process is that you’ll want to compare the same liability limits and deductibles on each quote request and and to get prices from as many carriers as you can. This helps ensure a fair price comparison and a complete price analysis.
If you have a current auto insurance policy, you will surely be able to get lower rates using the following tips. Finding the best-priced protection in San Jose is not that difficult. Although California drivers do need to know how big insurance companies price online insurance because rates are impacted by many factors.
GMC Acadia insurance analysis
The information shown next highlights a range of insurance rates for GMC Acadia models. Learning more about how auto insurance premiums are determined can be valuable when making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$186||$316||$416||$24||$124||$1,066||$89|
|Acadia SL AWD||$214||$316||$416||$24||$124||$1,094||$91|
|Acadia SLE 2WD||$214||$316||$416||$24||$124||$1,094||$91|
|Acadia SLE AWD||$214||$386||$416||$24||$124||$1,164||$97|
|Acadia SLT 2WD||$214||$386||$416||$24||$124||$1,164||$97|
|Acadia SLT AWD||$242||$386||$416||$24||$124||$1,192||$99|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific San Jose garaging location which can increase or decrease coverage prices considerably.
Impact of citations and accidents on San Jose insurance rates
The chart below illustrates how speeding tickets and at-fault accidents can raise GMC Acadia premium costs for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Rate comparison of male drivers versus female drivers
The information below illustrates the comparison of GMC Acadia insurance costs for male and female drivers. Data assumes no claims or violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
Learn How to Get Insurance More Affordably
Many different elements are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although some other factors are less obvious like where you live or your vehicle rating. An important part of buying insurance is that you know the different types of things that are used to determine your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that could result in cheaper rates.
Shown below are just a few of the factors used by your company to calculate your prices.
Being married equates to better prices – Having a spouse may cut your premiums when shopping for insurance. Marriage demonstrates that you tend to be more responsible and it’s proven that being married results in fewer claims.
Pleasure use or commuting – Driving a lot of miles in a year’s time the higher your rate. Most companies calculate prices based on how the vehicle is used. Cars and trucks that do not get driven very much cost less to insure compared to those used for work or business. It’s always a good idea to double check that your insurance coverage is showing annual mileage, because it can save money. An improperly rated Acadia may be costing you.
Insurance claims cost money – If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Companies in California award the best rates to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
Younger vs. experienced drivers – Youthful drivers in California tend to be inattentive and easily distracted when behind the wheel so they pay higher insurance rates. Older drivers are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
GMC Acadia claim statistics – Insurance companies factor in historical loss data to calculate a price that will offset losses. Models that the data shows to have higher prevalence or dollar amount of losses will cost more for coverage. The data below shows the insurance loss data used by companies for GMC Acadia vehicles.
For each policy coverage, the claim probability for all vehicles combined as an average is a value of 100. Values that are under 100 suggest losses that are better than average, while values over 100 point to more claims or a tendency for claims to be larger.
|Vehicle 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You can find cheap coverage
The cheapest GMC Acadia insurance in San Jose can be found on the web and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer the ability to get a quote online and most of the time these small, regional companies work with local independent agents.
When searching for inexpensive San Jose car insurance quotes, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost while still protecting your assets.
Insureds leave their current company for a number of reasons such as poor customer service, unfair underwriting practices, lack of trust in their agent and even extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be less work than you think.
Much more information about insurance in California can be read at these links:
- Understanding Limits and Deductibles (Allstate)
- Who Has the Cheapest San Jose Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable San Jose Auto Insurance for Ride Shares? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)