Compare GMC Acadia Insurance Rates in Miami

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Would you like to stop overpaying and find the cheapest car insurance rates in Miami, FL? Miami consumers have options when looking for low-cost GMC Acadia insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to make rate comparisons. There is a better way to find car insurance online so you're going to learn the best way to get price quotes for a new or used GMC and get the lowest price from Miami insurance agents and online providers.

Insurance rates GMC Acadia in MiamiAstonishing but true according to a recent study, over 70% of consumers have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. Florida consumers can cut their rates by $1,126 a year just by getting comparison quotes, but most just don't grasp the benefits if they bought a different policy.

You should take the time to compare premium rates every six months because car insurance prices fluctuate regularly. Despite the fact that you may have had the best rates on GMC Acadia insurance in Miami a year ago a different company probably has better rate quotes today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to quote online to get good coverage on GMC Acadia insurance in Miami at a lower rate.

Finding affordable auto insurance coverage in Miami can really be easy if you know what you're doing. If you are paying for car insurance now, you should be able to shop for the lowest rates using this strategy. You just need to use how to get comparison quotes online from multiple companies.

Getting low cost insurance pricing is an easy way to save money. Drivers just need to spend a few minutes comparing rate quotes online from several insurance companies.

The providers in the list below offer price comparisons in Miami, FL. To find cheaper auto insurance in Miami, it's highly recommended you visit several of them in order to find the cheapest rates.

Facts and figures for GMC Acadia insurance

The table displayed below covers detailed analysis of prices for GMC Acadia models. Having a good grasp of how insurance policy premiums are determined can be of help when making decisions on the best policy coverages.

GMC Acadia Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $270 $504 $542 $32 $162 $1,510 $126
Acadia SL AWD $310 $504 $542 $32 $162 $1,550 $129
Acadia SLE 2WD $310 $504 $542 $32 $162 $1,550 $129
Acadia SLE AWD $310 $614 $542 $32 $162 $1,660 $138
Acadia SLT 2WD $310 $614 $542 $32 $162 $1,660 $138
Acadia SLT AWD $350 $614 $542 $32 $162 $1,700 $142
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in zip code location which can influence rates considerably.

Choosing deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following insurance rates determine the rate fluctuation when you choose different coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

GMC Acadia insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $312 $532 $418 $24 $124 $1,435 $120
Acadia SL AWD $358 $532 $418 $24 $124 $1,481 $123
Acadia SLE 2WD $358 $532 $418 $24 $124 $1,481 $123
Acadia SLE AWD $358 $648 $418 $24 $124 $1,597 $133
Acadia SLT 2WD $358 $648 $418 $24 $124 $1,597 $133
Acadia SLT AWD $406 $648 $418 $24 $124 $1,645 $137
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GMC Acadia insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $228 $360 $418 $24 $124 $1,154 $96
Acadia SL AWD $262 $360 $418 $24 $124 $1,188 $99
Acadia SLE 2WD $262 $360 $418 $24 $124 $1,188 $99
Acadia SLE AWD $262 $438 $418 $24 $124 $1,266 $106
Acadia SLT 2WD $262 $438 $418 $24 $124 $1,266 $106
Acadia SLT AWD $296 $438 $418 $24 $124 $1,300 $108
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific zip code location which can decrease or increase coverage prices greatly.

Based on this data, using a $100 deductible costs about $26 more each month or $312 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 15 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The chart below demonstrates how deductible levels and can change GMC Acadia insurance rates for each different age group. The premium estimates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

Take policy discounts and save on GMC Acadia insurance in Miami

Insurance is neither fun to buy or cheap, but there's a good chance there are discounts to reduce the price significantly. Some discounts will apply when you complete an application, but lesser-known reductions have to be asked about before you get the savings.Insurance discounts

  • Senior Discount - If you're over the age of 55, you can possibly qualify for a small discount on rates.
  • Drive Safe and Save - Drivers who don't get into accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
  • Multi-Vehicle Discounts - Insuring multiple vehicles on the same insurance policy can reduce rates for all insured vehicles.
  • Switch and Save Discount - Some larger companies reward drivers for buying a new policy prior to your current Acadia insurance policy expiration. It could save around 10% when you buy Miami car insurance online.
  • Smart Student Discounts - Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount - Cars and trucks with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
  • Discount for Low Mileage - Maintaining low annual mileage may allow you to get substantially lower insurance rates.

You should keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, that's just not realistic.

The example below visualizes the comparison of GMC Acadia insurance prices with and without policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.

Larger insurance companies and their possible discounts can be read below.

  • Progressive discounts include good student, homeowner, continuous coverage, multi-policy, online signing, and online quote discount.
  • AAA offers premium reductions for AAA membership discount, multi-car, pay-in-full, anti-theft, good student, education and occupation, and good driver.
  • Farmers Insurance offers discounts for mature driver, business and professional, distant student, homeowner, switch companies, early shopping, and multi-car.
  • GEICO may have discounts that include military active duty, driver training, multi-policy, anti-theft, multi-vehicle, and defensive driver.
  • Esurance has savings for good student, multi-car, paid-in-full, DriveSense, and defensive driver.
  • SAFECO may offer discounts for anti-lock brakes, multi-car, teen safe driver, bundle discounts, drive less, anti-theft, and homeowner.
  • State Farm includes discounts for Drive Safe & Save, good driver, defensive driving training, Steer Clear safe driver discount, and safe vehicle.

Check with all the companies how many discounts you can get. Some discounts might not be offered everywhere. To locate companies that can offer you the previously mentioned discounts in Florida, click this link.

Insurance protects more than just your car

Even though it's not necessarily cheap to insure a GMC in Miami, insuring your vehicle may not be optional for several reasons.

  • Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to license the vehicle. 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 your GMC Acadia has a loan, more than likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your GMC for a much higher rate and require you to pay much more than you were paying before.
  • Insurance preserves not only your car but also your financial assets. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of buying insurance outweigh the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $750 every year so it's very important to do a rate comparison every year to ensure rates are inline.

When should I discuss my situation with an agent?

Always keep in mind that when comparing your policy for your vehicles, there really is not a best way to insure your cars. Your needs are unique to you.Car insurance savings

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Are my friends covered when driving my car?
  • Do I have coverage for damage caused while driving under the influence?
  • What is roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Am I covered by my spouse's policy after a separation?
  • Are split liability limits better than a combined single limit?
  • Why do I only qualify for high-risk insurance?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It's fast, free and may give you better protection.

Can't I compare prices from local Miami auto insurance agents?

Many people would prefer to buy from a local agent and that is OK! Insurance agents are trained to spot inefficiencies and will help you if you have claims. The biggest benefit of getting online price quotes is you can get lower rates and also buy local.

Insurance agents in MiamiTo find an agent, once you fill out this short form, the coverage information is submitted to agents in your area who can give free rate quotes and help you find cheaper coverage. It's much easier because you don't need to contact any insurance agencies since price quotes are sent to your email. In the event you want to compare prices from one company in particular, just navigate to their website and fill out the quote form the provide.

Picking the best insurance company requires you to look at more than just the quoted price. Some important questions to ask are:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do you work with a CSR or direct with the agent?
  • Is insurance their full-time profession?
  • Which companies can they place coverage with?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are they able to influence company decisions when a claim is filed?

Listed below is a short list of auto insurance companies in Miami that can give you comparison quotes for GMC Acadia insurance in Miami.

More insurance agents

After receiving satisfactory answers to all your questions in addition to an acceptable price estimate, most likely you have located an provider that will properly service your auto insurance policy.