Finding affordable car insurance for a GMC Acadia in California doesn't take a ton of time, but it hinges on many rating criteria such as whether you are male or female, your claims history, and if you have a history of accidents. Drivers in California pay around $1,115 a year to insure their Acadia, but that amount is based upon a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
This brings up the issue that more than likely you're not a 30-year-old male, you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. Have just a small change in rating variables or coverage information could end up in a significant change in how much coverage for a GMC Acadia costs.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find the most affordable coverage for your GMC is to do your own rate comparisons. Do a quick rate comparison now and you will receive prices from the best companies around.
Vehicle trim level tends to impact the cost of insurance, so the rate you pay to insure a Acadia SL 2WD will be $154 cheaper than the price to insure the higher-priced Acadia SLT AWD model, as shown in the prices below.
|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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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in your specific Santa Ana location which can affect prices substantially.
Finding reasonably-priced insurance is not always easy, and determining which company quotes the best insurance rates for a GMC Acadia takes even more rate comparisons. Each auto insurance company uses a little different formula to set policy rates, so let's take a look at the most budget-friendly insurance companies in California.
It's important that readers know that California insurance rates are impacted by many factors that may substantially change the price of coverage. This price variation is why it is so important to do a thorough rate comparison to find cheap insurance rates for a GMC Acadia. Auto insurance prices are determined by many different factors and can change substantially, so the cheapest company a year ago may now be an over-priced policy.
Cheapest Insurance Rates for Your Acadia
|Rank||Company||Cost Per Year|
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USAA may offer some of the lowest car insurance rates in Santa Ana at around $1,121 annually. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the more affordable Santa Ana, CA insurance companies.
As shown in the rates above, if you currently have a policy with Wawanesa and switched to USAA, you could realize annual savings of upwards of $25. Customers with CSAA might save as much as $65 a year, and Century National insureds might cut rates by $93 a year.
To see how much you can save, click here to get quotes or visit several of the following companies.
Remember that these premiums are averages for all types of insureds and vehicles and do not factor in an exact zip code location for a GMC Acadia. So the insurer that has the cheapest rates for you may not even be in the top 24 companies in the list above. That's why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The information below shows how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance for a GMC Acadia. The price estimates are based on a married male driver, full coverage, and no other discounts are factored in.
In the chart above, a 30-year-old driver could reduce rates by $408 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $618 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, can cut $1,230 or even more by choosing a higher deductible.
If you do raise deductibles, it is essential to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Are you paying too much for car insurance?
California insurance rates are calculated based on many things that will increase or decrease the price you have to pay. Improving your credit score, getting married, or getting a couple of tickets can cause premium changes that can make some companies cheaper in comparison to the competition.
Not only may your risk profile change, but car insurance companies modify pricing every year to ensure their profitability. An extended period of higher than normal claims may result in higher priced premiums, while profitable underwriting can result in lower-cost Acadia insurance rates.
For instance, the graph below demonstrates which company has the cheapest car insurance in Santa Ana, CA for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. If we look at prices based on his current rating profile, USAA might offer the most affordable car insurance rates in Santa Ana at $1,262 a year. This is $389 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the rest of the best Santa Ana, CA auto insurance companies.
In this example, we will give the driver in the first chart a claim, bad credit, and a traffic ticket or two. Since each company has a different formula for establishing rates, analyzing rate quotes may now result in a significantly different list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the cheapest auto insurance in Santa Ana, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This demonstrates why consumers need to take the time to spend some time comparing rates to find the best car insurance rates for a GMC Acadia.
Insurance prices consist of many things and can decrease or increase without notice, so the most economical option six months ago may now be wasting a lot of money.
The insurance agencies listed below are a good start to answer your questions and help you decide which coverages you need, as some people prefer to have some advice when comparing insurance rates for a GMC Acadia. It's not always simple to find the cheapest rates, and insurance agents can give comfort knowing you have adequate protection.
To locate a Santa Ana insurance agent close to where you live, click the link after the list.
- Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033
- Mary Juarez Insurance
1227 W 1st St c - Santa Ana, CA 92703 - (714) 542-5914
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150
- Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334
How to find cheaper auto insurance for a GMC Acadia
It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you find more affordable car insurance.
- Increase deductibles to save money
- Choose a safer vehicle and pay lower rates
- Buying car and homeowners insurance together can save money
- Do not pay for full coverage if not needed
- Good credit can save money
- Frequent claims will increase rates
- Compare prices frequently to find the best deal
The last suggestion is remarkably vital, as we pointed out in the article above. Auto insurance rates in Santa Ana fluctuate constantly, so drivers shouldn't be resistant to change to a new company if a more affordable rate is found.
Staying with the same car insurance company is fine, but it's not recommended if that devotion results in you overpaying a lot of money. It only takes a couple minutes to compare prices to find cheaper insurance for a GMC Acadia.