Save Money on GMC Acadia Insurance in Durham

Truthfully, the best way to get low-cost GMC Acadia insurance is to regularly compare quotes from insurance carriers who sell insurance in Durham.

One key aspect of rate comparisons is to make sure you enter similar coverage information on each quote request and and to get prices from as many companies as you can. Doing this ensures an accurate price comparison and a complete price analysis.

Insurance quote for GMC Acadia in DurhamShocking but true, the vast majority of consumers kept buying from the same company for four years or more, and nearly 40% of drivers have never shopped around. Many drivers in Durham could pocket as much as 10% a year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare other rate quotes.

If you have insurance now, you will most likely be able to get lower rates using the techniques presented in this article. We hope to instruct you on how car insurance quotes work and how to save the most money. But North Carolina drivers need to learn how big insurance companies set your policy premium and use it to find better rates.

Cheaper Durham insurance quotes with discounts

Some insurers don’t necessarily list every discount they offer in an easy-to-find place, so below is a list both the well known as well as some of the hidden discounts that you may qualify for.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think adding up those discounts means a free policy, you’re out of luck. But all discounts will help lower the amount you have to pay.

The diagram below illustrates the comparison of GMC Acadia insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

The best insurance companies and some of their more popular discounts are shown below.

Before buying, ask all the companies the best way to save money. A few discounts may not apply to policyholders in your area. To view providers with discount rates in North Carolina, click here to view.

To get cheaper Durham auto insurance quotes, there a variety of ways of comparing rate quotes from companies that offer insurance in North Carolina. The quickest method to comparison shop is to perform an online rate comparison.

When quoting insurance, remember that more quotes increases your odds of finding the best rates.

The following companies are ready to provide quotes in North Carolina. To locate the cheapest car insurance in North Carolina, we suggest you visit two to three different companies to get the cheapest price.

Car insurance statistics and figures

The rate information displayed next highlights different insurance rates for GMC Acadia models. Having a better idea how auto insurance premiums are established can be of help when making informed decisions when comparing rate quotes.

GMC Acadia Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $106 $182 $240 $14 $72 $614 $51
Acadia SL AWD $122 $182 $240 $14 $72 $630 $53
Acadia SLE 2WD $122 $182 $240 $14 $72 $630 $53
Acadia SLE AWD $122 $222 $240 $14 $72 $670 $56
Acadia SLT 2WD $122 $222 $240 $14 $72 $670 $56
Acadia SLT AWD $138 $222 $240 $14 $72 $686 $57
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific location which can affect coverage rates substantially.

Deductible comparison

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The comparisons below can help illustrate the premium difference when you choose different comp and collision deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

GMC Acadia insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $168 $266 $250 $14 $74 $797 $66
Acadia SL AWD $192 $266 $250 $14 $74 $821 $68
Acadia SLE 2WD $192 $266 $250 $14 $74 $821 $68
Acadia SLE AWD $192 $324 $250 $14 $74 $879 $73
Acadia SLT 2WD $192 $324 $250 $14 $74 $879 $73
Acadia SLT AWD $218 $324 $250 $14 $74 $905 $75
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GMC Acadia insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $136 $214 $250 $14 $74 $688 $57
Acadia SL AWD $156 $214 $250 $14 $74 $708 $59
Acadia SLE 2WD $156 $214 $250 $14 $74 $708 $59
Acadia SLE AWD $156 $262 $250 $14 $74 $756 $63
Acadia SLT 2WD $156 $262 $250 $14 $74 $756 $63
Acadia SLT AWD $176 $262 $250 $14 $74 $776 $65
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in zip code location which can impact prices greatly.

We can derive from the above data that using a $250 deductible will cost you roughly $10 more each month or $120 a year averaged for all Acadia models than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 25 months between claims, you would more than likely save some money if you choose the higher deductible.

Full coverage or liability only

The example below compares GMC Acadia premium costs with and without full coverage. The prices are based on no violations or claims, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your GMC Acadia settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are paying over $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Save Money with These Tips

When buying insurance it’s important to understand the different types of things that are used to determine your insurance rates. If you have some idea of what influences your rates, this enables informed choices that may reward you with cheaper rates.

The following are some of the most common factors insurance companies consider when setting your premiums.

What if I want to buy from local Durham insurance agencies?

A small number of people would prefer to visit with an insurance agent. A nice benefit of comparing rate quotes online is the fact that you can find better rates and still have an agent to talk to. Putting coverage with local agencies is important especially in Durham.

Insurance agents in DurhamUpon completion of this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Durham that provide free Durham auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go to the email address you provide. You can get cheaper car insurance rates and an insurance agent to talk to. If for some reason you want to get a price quote from a particular provider, you just need to visit that company’s website and submit a quote form there.

When researching local Durham agents, you need to know there are two different agency structures and how they function. Agents are considered either independent or exclusive.

Independent Car Insurance Agents

Agents in the independent channel are appointed with more than one company and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. If you want to switch companies, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, you will want to compare quotes from several independent insurance agents to maximize your price options. Most also write with smaller companies that can offer cheaper rates than bigger companies.

Below are Durham independent insurance agencies who may be able to give you pricing information.

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Exclusive Insurance Agents

Exclusive agencies normally can only provide a single company’s rates and examples are Allstate, State Farm and Farmers Insurance. They generally cannot provide rate quotes from other companies so they really need to provide good service. They are well schooled in insurance sales and that can be a competitive advantage. Drivers often purchase coverage from exclusives mostly because of the brand rather than having low rates.

Listed below are exclusive agencies in Durham that are able to give price quotes.

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Choosing an auto insurance agent needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.

Upon receiving positive feedback to your questions and the cheapest GMC Acadia insurance in Durham quotes, you may have just found an auto insurance agent that can be trusted to properly service your car insurance policy.

Here’s why auto insurance is not optional

Despite the fact that auto insurance is not cheap in Durham, maintaining insurance may be required and benefits you in several ways.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America is overpaying over $800 each year so compare rates every year to ensure rates are inline.

The most affordable rates come from being thorough

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to discover later they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

We’ve covered a lot of techniques to get a better price on GMC Acadia insurance in Durham. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Durham auto insurance quotes. Consumers may even find the best rates are with a small mutual company.

Affordable GMC Acadia insurance in Durham is possible both online as well as from insurance agents, so get free Durham auto insurance quotes from both of them to have the best rate selection. Some insurance companies do not offer online rate quotes and these smaller companies only sell through local independent agents.

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