Searching for cheaper insurance for a new or used GMC Acadia in Texas can normally be a painful process, but you can use a few tricks to save time. There is a better way to compare auto insurance rates so we’re going to tell you the quickest way to quote coverages for a new or used GMC and locate the lowest price from Fort Worth insurance agents and online providers.
It’s a good idea to shop coverage around periodically since prices are variable and change quite frequently. Just because you found the lowest rates for Acadia coverage a few years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you some guaranteed methods to slash your auto insurance rates.
Choosing the best insurance company for you in Fort Worth is not rocket science. Basically, every driver who has to buy auto insurance will most likely be able to lower their premiums. But Texas drivers do need to understand how big insurance companies compete online and use this information to your advantage.
You may qualify for discounts
Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that you may not know about. Many of these discounts will be applied automatically when you get a quote, but lesser-known reductions have to be asked for prior to getting the savings.
- Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 25 to 30%.
- Policy Bundle Discount – If you can bundle your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
- Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
- Accident Waiver – Not really a discount, but companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
- Federal Government Employee – Federal government employees can save as much as 8% for Acadia coverage depending on your auto insurance provider.
- Claim-Free Discount – Fort Worth drivers who stay claim-free are rewarded with significantly better rates on as opposed to frequent claim filers.
- Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
We need to note that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.
Large auto insurance companies and a summarized list of policyholder discounts are detailed below.
- American Family includes discounts for Steer into Savings, TimeAway discount, bundled insurance, air bags, and good driver.
- Nationwide offers discounts including anti-theft, family plan, good student, business or organization, and multi-policy.
- MetLife may have discounts that include defensive driver, accident-free, claim-free, multi-policy, good student, and good driver.
- 21st Century may include discounts for 55 and older, good student, air bags, early bird, student driver, and theft prevention.
- Farmers Insurance discounts include mature driver, youthful driver, electronic funds transfer, pay in full, good student, and teen driver.
- Allstate policyholders can earn discounts including economy car, safe driver, passive restraint, eSmart discount, teenSMART discount, and new car.
Before you buy a policy, ask each company or agent what discounts are available to you. Depending on the company, some discounts may not apply everywhere. If you would like to see a list of insurers who offer discounts in Texas, follow this link.
Most companies like Allstate, GEICO and Progressive allow you to get coverage prices on the web. Getting quotes is quite simple as you just type in the coverages you want into a form. Upon sending the form, the quote system will obtain information on your driving record and credit history and gives you a price quote based on these factors.
Online quotes simplifies rate comparisons, but the process of having to visit different websites and type in the same data can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find better prices.
The better way to compare rates
An easier way to find better auto insurance pricing utilizes a single form to return rates from more than one company. The form is fast, reduces the work, and makes quoting online a lot less work. After your information is entered, it gets priced and you can choose your choice of the returned quotes. If a lower price is quoted, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and may result in a nice savings.
To save time and use this form to compare rates, click here to open in new window and submit the form. To compare your current rates, we recommend you enter the coverage information identical to your current policy. This way, you will receive a rate comparison based on identical coverages.
Car insurance coverage information
Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Collision insurance
Collision insurance will pay to fix damage to your Acadia resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.
Liability car insurance
This coverage protects you from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage pays for things like loss of income, bail bonds, medical services, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30,000/60,000/25,000 but you should consider buying more liability than the minimum.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for bills such as funeral costs, pain medications, chiropractic care, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, hitting a deer, fire damage, theft and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Acadia.
Since a lot of drivers carry very low liability coverage limits (Texas limits are 30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Don’t give up on cheaper rates
Consumers switch companies for any number of reasons including questionable increases in premium, policy non-renewal, delays in paying claims and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching auto insurance companies can be pretty painless.
Low-cost GMC Acadia insurance can be bought from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer price quotes online and usually these regional insurance providers only sell coverage through independent agents.
We just presented many ways to reduce GMC Acadia insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company.