Save Money on GMC Acadia Insurance in Boston

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It's astonishing, but over 70% of Massachusetts drivers have purchased from the same company for at least four years, and 38% of customers have never compared rate quotes at all. Most drivers in the U.S. can save as much as $860 each year, but most undervalue the amount of money they would save if they moved their coverage to a different company.

Insurance rates GMC Acadia in BostonThe most effective way to get low-cost auto insurance rates in Boston is to make a habit of comparing prices annually from providers who sell auto insurance in Massachusetts. This can be done by following these steps.

  1. Take a little time to learn about auto insurance and the measures you can take to prevent high rates. Many rating criteria that result in higher rates like your driving record and a bad credit score can be amended by making minor driving habit or lifestyle changes. Read the full article for more information to help prevent costly coverage and earn a bigger discount.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple companies. Click to view companies
  3. Compare the new rate quotes to the premium of your current policy to see if cheaper Acadia coverage is available. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your current company of your intent to cancel your current policy. Submit a signed application and payment to the new company. When you receive it, put the new certificate verifying proof of insurance with your vehicle's registration.

The key aspect of shopping around is that you use identical coverages on each price quote and and to get prices from every insurance company. This ensures a fair price comparison and plenty of rates choose from.

The quickest method we recommend to compare rate quotes for GMC Acadia insurance in Boston is to know the fact almost all companies participate in online systems to quote your coverage. The only thing you need to do is give them rating details including if the vehicle is leased, deductibles desired, whether you are single or married, and if your license is active. The rating information is then sent to multiple auto insurance providers and you will receive price estimates with very little delay.

If you wish to get multiple quotes for your GMC Acadia now, click here and enter the information requested.

The following companies are ready to provide free quotes in Massachusetts. To get the cheapest auto insurance in MA, we suggest you visit two to three different companies to get the most affordable price.

Coverage analysis

The rate information below highlights a range of rate quotes for GMC Acadia models. Learning as much as possible about how insurance policy premiums are calculated can be of help when making smart choices when selecting a policy.

GMC Acadia Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $134 $220 $340 $20 $102 $816 $68
Acadia SL AWD $154 $220 $340 $20 $102 $836 $70
Acadia SLE 2WD $154 $220 $340 $20 $102 $836 $70
Acadia SLE AWD $154 $268 $340 $20 $102 $884 $74
Acadia SLT 2WD $154 $268 $340 $20 $102 $884 $74
Acadia SLT AWD $174 $268 $340 $20 $102 $904 $75
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can raise or lower rates considerably.

Analysis of deductible levels

One of the most common auto insurance questions is where to set your physical damage deductibles. The figures shown below may help to illustrate the differences in premium rates when you choose different comp and collision deductibles. The first rate quote example uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

GMC Acadia insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $250 $426 $334 $20 $100 $1,155 $96
Acadia SL AWD $288 $426 $334 $20 $100 $1,193 $99
Acadia SLE 2WD $288 $426 $334 $20 $100 $1,193 $99
Acadia SLE AWD $288 $520 $334 $20 $100 $1,287 $107
Acadia SLT 2WD $288 $520 $334 $20 $100 $1,287 $107
Acadia SLT AWD $324 $520 $334 $20 $100 $1,323 $110
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GMC Acadia insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $140 $224 $334 $20 $100 $818 $68
Acadia SL AWD $160 $224 $334 $20 $100 $838 $70
Acadia SLE 2WD $160 $224 $334 $20 $100 $838 $70
Acadia SLE AWD $160 $274 $334 $20 $100 $888 $74
Acadia SLT 2WD $160 $274 $334 $20 $100 $888 $74
Acadia SLT AWD $180 $274 $334 $20 $100 $908 $76
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can modify rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $31 more each month or $372 each year averaged for all Acadia models than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 29 months between claim filings, you would save more money if you decide on a higher deductible. Here's an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): - $72
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important issue to know is that raising deductibles to save money results in more money out-of-pocket when you have a comprehensive or collision claim. You will want to have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Men versus women drivers and insurance cost

The information below illustrates the difference between GMC Acadia auto insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

GMC Acadia liability rates compared to full coverage

The illustration below compares GMC Acadia car insurance rates with full coverage compared to only the Massachusetts minimum liability coverage. The premium estimates are based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There isn't a steadfast formula for dropping physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's pretend your GMC Acadia claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are currently paying more than $200 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not a good plan. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Learn How to Quote Insurance for Less

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that go into determining your insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in better insurance rates. Lots of things are taken into consideration when pricing auto insurance. Some are obvious such as traffic violations, although some other factors are less apparent such as your marital status and annual miles driven.

Getting married equates to better premiums - Your spouse can get you a discount on your insurance policy. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Big cities mean more claims - Living in less populated areas is a good thing if you are looking for the lowest rates. People in densely populated areas regularly have much more traffic and much longer commute distances. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims.

Responsible drivers pay lower rates - Having just one chargeable violation can increase the cost of insurance twenty percent or more. Attentive drivers receive lower rates as compared to those with violations. Drivers who have received dangerous violations such as hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state's department of motor vehicles in order to legally drive.

The chart below demonstrates how citations and accidents influence GMC Acadia auto insurance rates for different categories of driver ages. The costs are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Do you really need to file those policy claims? - Car insurance companies in Massachusetts generally give the lowest premiums to drivers who are not frequent claim filers. If you file claims often, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for claims that pose a financial burden.

Multiple policies with one company can save - The majority of insurance companies apply discounts to clients that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, you still need to shop around to ensure the best deal. Consumers may save more without the discount even if you insure with multiple companies

Fast cars cost more to insure - The make and model of the vehicle you need insurance for makes a significant difference in your auto insurance rates. The most favorable rates are usually found on small economy passenger models, but many other things help determine your insurance rates.

The following chart is based on a single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares GMC Acadia insurance premiums compared to other makes and models that have a range of performance risks.

High credit rating translates to low prices - Having a bad credit history can be a huge factor in determining your rates. If your credit history can be improved, you may save money insuring your GMC Acadia by repairing your credit. People with very good credit scores tend to be more responsible than drivers who have bad credit.

Loss probability for a GMC Acadia - Insurance companies use claims history when setting premium rates. Vehicles that statistically have higher claim frequency or loss amount will have higher rates. The table below outlines the historical loss data for GMC Acadia vehicles.

For each policy coverage, the claim amount for all vehicles averaged together is set at 100. Numbers under 100 imply a favorable loss record, while percentage values above 100 point to more frequent losses or an increased likelihood of larger losses.

GMC Acadia Insurance Loss Statistics
Specific GMC 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Choosing the best Acadia insurance in Massachusetts is an important decision

Despite the high insurance cost for a GMC Acadia in Boston, insuring your vehicle may be required and benefits you in several ways.

  • Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your vehicle, almost every bank will require you to have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your GMC at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
  • Car insurance preserves both your vehicle and your assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of having car insurance more than offset the price you pay, especially with large liability claims. According to a recent study, the average American driver overpays more than $825 a year so compare quotes from several companies each time the policy renews to ensure rates are competitive.