Auto Insurance Rates for a GMC Acadia in Oakland

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GMC Acadia insurance
GMC Acadia insurance image courtesy of QuoteInspector.com

Smart shoppers know that car insurance companies don't want policyholders to compare prices from other companies. Insureds who compare price quotes are highly likely to switch companies because there are good odds of finding better rates. A recent study showed that people who routinely compared quotes saved over $70 a month compared to those who never compared other company's rates.

If finding low prices for insurance is your objective, then having some insight into the best ways to find and compare cheaper coverage can help simplify the process.

Insurance for GMC AcadiaThe recommended way to find low-cost prices for GMC Acadia insurance in Oakland is to do an annual price comparison from providers that sell auto insurance in California.

Step 1: Spend a few minutes and learn about policy coverages and the factors you can control to lower rates. Many factors that cause rate increases such as inattentive driving and a less-than-favorable credit score can be remedied by paying attention to minor details. Keep reading for ideas to prevent expensive rate increases and find overlooked discounts.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple companies. Start a quote

Step 3: Compare the quotes to your current policy premium to determine if you can save on Acadia insurance. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

Step 4: Provide proper notification to your current company of your intent to cancel the current policy and submit payment and a completed application to your new carrier. When you receive it, put the new proof of insurance paperwork in an easily accessible location in your vehicle.

An important part of this process is that you'll want to make sure you compare similar coverage information on each price quote and and to compare as many companies as you can. This ensures a fair rate comparison and the best price selection.

Locating the best insurance company for you in Oakland is actually quite simple. If you already have coverage, you will surely be able to buy cheaper auto insurance using the concepts you're about to learn. You just have to understand the fastest way to compare company rates over the internet.

Getting a cheaper price on GMC Acadia insurance doesn't have to be difficult. All you need to do is spend a few minutes comparing rate quotes online from several insurance companies.

The companies shown below offer free quotes in Oakland, CA. To locate the best auto insurance in Oakland, it's highly recommended you compare several of them in order to find the cheapest rates.

GMC Acadia coverage analysis

The price information shown next covers different prices for GMC Acadia models. Being aware of how auto insurance premiums are established can aid in making decisions on which insurance to purchase.

GMC Acadia Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $242 $382 $442 $26 $132 $1,224 $102
Acadia SL AWD $278 $382 $442 $26 $132 $1,260 $105
Acadia SLE 2WD $278 $382 $442 $26 $132 $1,260 $105
Acadia SLE AWD $278 $464 $442 $26 $132 $1,342 $112
Acadia SLT 2WD $278 $464 $442 $26 $132 $1,342 $112
Acadia SLT AWD $314 $464 $442 $26 $132 $1,378 $115
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can decrease or increase coverage rates noticeably.

Physical damage deductibles

A question often asked by Oakland drivers is how low should you set your deductibles. The premium rates below show the cost difference between low and high policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

GMC Acadia insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $332 $564 $442 $26 $132 $1,521 $127
Acadia SL AWD $380 $564 $442 $26 $132 $1,569 $131
Acadia SLE 2WD $380 $564 $442 $26 $132 $1,569 $131
Acadia SLE AWD $380 $686 $442 $26 $132 $1,691 $141
Acadia SLT 2WD $380 $686 $442 $26 $132 $1,691 $141
Acadia SLT AWD $430 $686 $442 $26 $132 $1,741 $145
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GMC Acadia insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $184 $298 $442 $26 $132 $1,082 $90
Acadia SL AWD $210 $298 $442 $26 $132 $1,108 $92
Acadia SLE 2WD $210 $298 $442 $26 $132 $1,108 $92
Acadia SLE AWD $210 $362 $442 $26 $132 $1,172 $98
Acadia SLT 2WD $210 $362 $442 $26 $132 $1,172 $98
Acadia SLT AWD $238 $362 $442 $26 $132 $1,200 $100
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific Oakland garaging location which can change insurance rates significantly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $41 more each month or $492 annually than requesting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 22 months between claims, you would probably save some money if you decide on a higher deductible.

Careless driving habits raise insurance rates

The information below demonstrates how traffic citations and at-fault accidents can drive up GMC Acadia insurance rates for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

GMC Acadia insurance costs by gender and age

The illustration below illustrates the difference between GMC Acadia insurance prices for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Should you buy full coverage?

The chart below visualizes the comparison of GMC Acadia auto insurance costs with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, single marital status, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no set guideline to exclude full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's assume your GMC Acadia replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If it's costing you more than $700 a year for full coverage, then it might be time to consider dropping full coverage.

There are some cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Independent versus exclusive car insurance agents

A lot of people would prefer to go talk to an agent and that is a smart decision Professional agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of comparing car insurance online is that you can find the best rates but still work with a licensed agent.

Insurance agency in OaklandOnce you complete this simple form, the coverage information is sent to participating agents in Oakland that give free quotes to get your business. It simplifies rate comparisons since you won't have to contact any insurance agencies because prices are sent straight to your inbox. If you want to quote rates from a specific company, you just need to visit that company's website and give them your coverage information.

Deciding on a insurance company requires you to look at more than just the premium amount. These are some questions your agent should answer.

  • Do you work with a CSR or direct with the agent?
  • Will they take your side in the event of a claim?
  • Do you need full coverage on every vehicle?
  • Can you contact them at any time?
  • Do they see any coverage gaps in your plan?

The different types of car insurance agents

If you would like to find an insurance agent, there are two types of insurance agents and how they can quote your rates. Agencies in Oakland are categorized either independent (non-exclusive) or exclusive. Either one can do a good job, but it is a good idea to know the difference between them since it can affect which agent you choose.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates. Consumers often choose to use a exclusive agent mostly because of the brand legacy and solid financial strength.

The following are Oakland exclusive agencies who may provide you with price quotes.

More Oakland agents

Independent Car Insurance Agents

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with many different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you don't have to switch agencies.

If you need cheaper car insurance rates, you will want to contact a few independent agents to get the most accurate price comparison. Most can insure with less well-known companies that may provide cheaper car insurance rates.

The following are Oakland independent insurance agents that can give you rate quotes.

More Oakland agents

After receiving good responses to any questions you have and inexpensive GMC Acadia insurance in Oakland quotes, you've probably found an auto insurance agent that is professional and can adequately provide car insurance.

Auto insurance company ratings

Insuring your vehicle with the top auto insurance provider is hard considering how many different companies sell coverage in Oakland. The ranking information shown below may help you decide which auto insurance companies you want to consider comparing prices from.

Top 10 Oakland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Oakland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive