The best way to get discount GMC Acadia insurance in Scottsdale is to make a habit of comparing prices annually from insurers who provide car insurance in Arizona. This can be done by following these guidelines.
- Step 1: Take a little time to learn about how insurance works and the things you can change to lower rates. Many policy risk factors that increase rates such as careless driving and poor credit history can be controlled by making small lifestyle or driving habit changes. Read the full article for additional ideas to find cheap rates and find discounts that you may qualify for.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Scottsdale. If you find better rates and buy the policy, ensure coverage does not lapse between policies.
- Step 4: Notify your agent or company to cancel your current car insurance policy and submit the application along with any required down payment to the newly selected company. Once the application is submitted, place your new proof of insurance paperwork in your glove compartment.
A crucial key to this process is to make sure you’re comparing identical coverages on each quote and and to get price estimates from as many different companies as possible. This enables a fair price comparison and a complete selection of prices.
Smart shoppers know that insurance companies want to keep your business as long as possible. People who shop around at least once a year will presumably move their business because there is a high probability of finding better rates. Remarkably, a study showed that consumers who faithfully checked for cheaper rates saved on average $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest price on auto insurance in Scottsdale is your target objective, then having some insight into how to quote prices and compare insurance premiums can make shopping around easier.
Companies offer many discounts on GMC Acadia insurance in Scottsdale
Some providers don’t always advertise every discount they offer very well, so the following list contains both the well known and also the lesser-known credits available to bring down your rates.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower insurance rates if you buy auto and life insurance together.
- Club Memberships – Being a member of a professional or civic organization is a simple method to lower premiums on your policy.
- Discount for Low Mileage – Keeping the miles down on your GMC could qualify for discounted rates on garaged vehicles.
- Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get a small discount on rates.
- Distant Student – Kids who attend college more than 100 miles from Scottsdale and do not take a car to college can receive lower rates.
- Student Discounts – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Multiple Cars – Buying coverage for several vehicles with the same insurance company could earn a price break for each car.
- Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on Scottsdale car insurance quote as compared to policyholders that have many claims.
- Safety Course Discount – Taking a course in driver safety may get you a small discount if your company offers it.
- Waiver for an Accident – Not really a discount, but some companies like GEICO, State Farm, and Progressive will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free insurance policy, you’re out of luck. But any discount should help lower your policy premiums.
The example below compares GMC Acadia premium costs with and without discounts applied. The data is based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
Larger insurance companies and their offered discounts are shown below.
- American Family includes discounts for early bird, multi-vehicle, good driver, air bags, defensive driver, and mySafetyValet.
- Farm Bureau may have discounts that include good student, driver training, multi-vehicle, multi-policy, renewal discount, safe driver, and youthful driver.
- State Farm may offer discounts for passive restraint, Drive Safe & Save, good student, student away at school, anti-theft, and accident-free.
- Travelers offers premium reductions for early quote, new car, driver training, home ownership, payment discounts, multi-car, and student away at school.
- The Hartford discounts include vehicle fuel type, defensive driver, bundle, air bag, good student, anti-theft, and driver training.
- GEICO offers discounts including good student, federal employee, five-year accident-free, emergency military deployment, membership and employees, and anti-lock brakes.
- Progressive policyholders can earn discounts including good student, homeowner, continuous coverage, multi-vehicle, online signing, and online quote discount.
When getting a coverage quote, ask each company how you can save money. Some discounts might not be available to policyholders in Scottsdale. If you would like to see a list of insurance companies who offer discounts in Arizona, click here to view.
Most major insurance companies allow consumers to get coverage prices online. Getting online rates for GMC Acadia insurance in Scottsdale is pretty painless as you just type in your coverage preferences into the quote form. When the form is submitted, their rating system orders credit information and your driving record and gives you a price quote.
The ability to get online price quotes for GMC Acadia insurance in Scottsdale makes it simple to compare prices and it’s absolutely necessary to perform this step if you are searching for the lowest payment.
To quickly get comparison pricing now, check out the insurance providers below. If you have your current policy handy, we recommend you type in the coverages identical to your current policy. Doing this assures you will get a price comparison for similar coverage.
The companies shown below can provide price comparisons in Arizona. To buy cheaper car insurance in Arizona, it’s a good idea that you visit several of them to find the lowest car insurance rates.
Analysis of coverages
The rate table below showcases a range of insurance policy prices for GMC Acadia models. Having a good understanding how insurance premiums are determined is important to be able to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $142 | $202 | $392 | $24 | $118 | $878 | $73 |
| Acadia SL AWD | $164 | $202 | $392 | $24 | $118 | $900 | $75 |
| Acadia SLE 2WD | $164 | $202 | $392 | $24 | $118 | $900 | $75 |
| Acadia SLE AWD | $164 | $246 | $392 | $24 | $118 | $944 | $79 |
| Acadia SLT 2WD | $164 | $246 | $392 | $24 | $118 | $944 | $79 |
| Acadia SLT AWD | $184 | $246 | $392 | $24 | $118 | $964 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific location which can impact rates greatly.
Choosing deductibles
When shopping for auto insurance, a common question is what deductibles to buy. The rates below determine the rate differences when you choose different insurance deductibles. The first rate table uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Acadia SL AWD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Acadia SLE 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Acadia SLE AWD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Acadia SLT 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Acadia SLT AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Acadia SL AWD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Acadia SLE 2WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Acadia SLE AWD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Acadia SLT 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Acadia SLT AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can impact premiums significantly.
Based on the above data, using a $100 deductible will cost you about $19 more each month or $228 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claims, you would save money if you decide on a higher deductible.
Six factors that impact insurance rates
A large part of saving on insurance is knowing some of the factors that are used to determine your insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that can help you get big savings. Many factors are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are more obscure such as whether you are married or your commute time.
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Avoid tickets and save – Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Only having one driving citation can bump up the cost twenty percent or more. People who have severe violations such as DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state in order to drive a vehicle legally.
The chart below demonstrates how citations and at-fault collisions impact GMC Acadia insurance rates for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
- Poor credit can mean higher rates – Having a good credit rating is likely to be a major factor in your rate calculation. Insureds with very good credit scores tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit leaves room for improvement, you could save money insuring your GMC Acadia by improving your credit score.
- Job stress can make you pay more – Jobs such as judges, executives, and medical professionals generally have higher rates than the rest of us attributed to stressful work requirements and extremely grueling work hours. Other jobs like professors, athletes and performers have lower than average premiums.
- Cheaper rates with safer cars – Safe vehicles get lower rates. Vehicles engineered for safety reduce injuries and fewer injuries means less money paid by your insurance company and lower rates for you.
- Keep the miles off and save – Driving a lot of miles each year the more you’ll pay to insure it. Almost all companies calculate prices based upon how much you drive. Autos left parked in the garage can be on a lower rate level than those used for commuting. It’s a smart idea to ensure your insurance coverage is showing the right rating data, because it can save money. An incorrectly rated Acadia may be wasting your money.
- Rates can drop if you have more than one policy – Most larger insurance companies give lower prices to customers that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to shop around to help ensure you have the lowest rates. It’s possible to still save even more than the discount by insuring with multiple companies.
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Insurance loss statistics a GMC Acadia – Car insurance companies take into consideration historical loss data for every vehicle to calculate a rate that offsets possible losses. Models that the data shows to have a trend towards higher claim severity or frequency will have higher rates.
The table below outlines the historical insurance loss data for GMC Acadia vehicles. For each coverage type, the statistical loss for all vehicles averaged together is represented as 100. Values that are under 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or an increased chance of a larger loss.
GMC Acadia Insurance Claim Statistics Vehicle Make and 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agents are professional risk managers
Some people still like to buy from a local agent and that is recommended in a lot of cases Good agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of getting online price quotes is that you can obtain cheap rate quotes and still choose a local agent.
For easy comparison, once you complete this simple form, your coverage information gets sent to local insurance agents who will gladly provide quotes for your business. There is no need to visit any agencies because prices are sent to you instantly. If for some reason you want to get a rate quote from a particular provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Picking an insurer should depend on more than just the premium amount. The answers to these questions are important, too.
- Do they have a Better Business Bureau rating in Scottsdale?
- How long has their agency been in business in Scottsdale?
- Are they in the agency full-time?
- Can they give you a list of client referrals?
- Can glass repairs be made at your home?
- Are they giving you every discount you deserve?
If you want to use a good insurance agency, you should know the types of agencies and how they operate. Agents in Scottsdale can be described as either exclusive or independent (non-exclusive). Either can properly insure your vehicles, but it’s worth learning how they are different because it can impact your agent selection.
Exclusive Insurance Agents
Exclusive agents can only place business with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers sometimes choose to use a exclusive agent partially due to the prominent brand name rather than having low rates.
Below are exclusive insurance agents in Scottsdale who can help you get rate quotes.
- Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010 – View Map - State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map - Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005 – View Map
Independent Agents
Agents in the independent channel are not employed by any specific company so they can write business with an assortment of companies and help determine which has the cheapest rates. If your premiums go up, the business is moved internally and the insured can keep the same agent.
If you need lower rates, you will definitely want to get insurance quotes from multiple independent agents to get the best comparison. Most independent agents also contract with small regional insurance companies which could offer lower prices.
Shown below is a short list of independent insurance agents in Scottsdale willing to provide price quotes.
- Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map
Car insurance does more than just protect your car
Even though Scottsdale Acadia insurance rates can get expensive, maintaining insurance is most likely required but also gives you several important benefits.
- The majority of states have minimum liability requirements which means the state requires a specific minimum amount of liability if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your GMC with a loan, almost all lenders will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your GMC at a more expensive rate and require you to reimburse them for the expensive policy.
- Car insurance preserves both your assets and your vehicle. Insurance will pay for all forms of medical expenses that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $750 every year so it’s important to compare rates at every policy renewal to make sure the price is not too high.
Lower rates by being persistent
Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
As you quote Scottsdale car insurance, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The goal is to purchase plenty of coverage at the best possible price while still protecting your assets.
You just learned a lot of techniques to find affordable GMC Acadia insurance in Scottsdale. It’s most important to understand that the more you quote Scottsdale car insurance, the better likelihood of getting inexpensive Scottsdale car insurance quotes. You may even find the best premium rates are with an unexpected company.
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