Affordable Rates for GMC Acadia Insurance in Atlanta

If you are new to online insurance, you can easily be bewildered thanks to the vast number local agents and online companies offering coverage in Atlanta.

Unbelievably, a large majority of insurance policyholders kept buying from the same company for well over three years, and just short of a majority have never shopped around. With the average insurance premium being $1,700, Atlanta drivers could save as much as $959 each year by just comparing quotes, but they assume it’s a waste of time to find cheaper insurance rates.

The cheapest Atlanta GMC Acadia insurance quotes

The majority of larger companies like State Farm and Allstate provide insurance quotes on their websites. Comparing prices online for GMC Acadia insurance in Atlanta doesn’t take a lot of time because it’s just a matter of typing in your coverage preferences as detailed in the form. Upon sending the form, their quoting system automatically retrieves reports for credit and driving violations and generates a price determined by many factors.

Using the web to get quotes for GMC Acadia insurance in Atlanta makes it a lot easier to compare rates and it’s necessary to get many rate quotes if you want to find the cheapest price.

To quickly find out how much you can save on car insurance, compare rates now from the companies shown below. If you have coverage now, it’s recommended you duplicate your coverages exactly as shown on your declarations page. Doing this guarantees you will receive rate quotes based on identical coverages.

The companies shown below provide quotes in Atlanta, GA. If the list has multiple companies, we recommend you visit as many as you can to find the cheapest auto insurance rates.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in vehicle garaging location which can impact coverage prices substantially.

Higher deductibles save money

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The tables below summarize the rate difference when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Atlanta which can lower or raise rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs about $25 more each month or $300 annually than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claims, you would probably come out ahead by selecting a higher deductible. The table below shows the way you can make your own decision.

One thing to be aware of is that a higher deductible results in having to pay to pay more out-of-pocket at claim time. That will require enough money stashed away in the event you need to pay the deductible for vehicle repair.

Full coverage or liability only

The illustration below illustrates the comparison of GMC Acadia premium costs with full coverage and liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single male driver, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no clear-cut rule for eliminating physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your GMC Acadia settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your deductible. If you are paying in excess of $200 annually for full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Rate comparison for different deductibles

The chart below demonstrates how deductibles and can increase or decrease GMC Acadia premium costs for different age groups. The data is based on a married male driver, full coverage, and no discounts are applied.

Get lower-cost GMC Acadia insurance in Atlanta with discounts

Not many people think insurance is cheap, but there could be available discounts to help offset the cost. Many discounts should be triggered at quote time, but some may not be applied and must be asked for before being credited.

• Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
• Switch and Save Discount – A few insurance companies give discounts for buying a new policy before your current Acadia insurance policy expires. Ten percent is about the average savings.
• Professional Organizations – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
• Bundle and Save – If you can combine your home and auto policy and insure them with the same company you may save at least 10 to 15 percent or more.
• ABS and Traction Control Discounts – Cars equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
• Life Insurance Discount – Larger auto insurance companies have a lower premium rate if you buy a life insurance policy as well.
• Student Discounts – This discount may save you up to 25%. Many companies even apply the discount to college students until age 25.
• Safety Restraint Discount – Requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
• Multi-Vehicle Discounts – Drivers who insure multiple cars on one policy could earn a price break for each car.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, that’s just not realistic.

A list of auto insurance companies and their possible discounts can be found below.

• Progressive includes discounts for online quote discount, homeowner, multi-policy, continuous coverage, and online signing.
• The Hartford policyholders can earn discounts including defensive driver, bundle, good student, vehicle fuel type, air bag, anti-theft, and driver training.
• Mercury Insurance may offer discounts for accident-free, ease of repair, anti-theft, age of vehicle, and professional/association.
• GEICO may have discounts that include military active duty, good student, multi-vehicle, emergency military deployment, and seat belt use.
• AAA offers discounts including AAA membership discount, good student, good driver, multi-policy, education and occupation, anti-theft, and multi-car.
• State Farm has savings for driver’s education, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, and good student.

If you need the cheapest GMC Acadia rate quotes, ask every company which discounts can lower your rates. Some discounts listed above might not be offered on policies in your state. If you would like to view insurance companies that offer many of these discounts in Georgia, click this link.

Do I need an insurance agent?

Some people would prefer to have an agent’s advice and that is recommended in a lot of cases One of the benefits of comparing rates online is that you can obtain the lowest rates and still have an agent to talk to.

By using this quick form, the coverage information is immediately sent to participating agents in Atlanta who can give free rate quotes for your coverage. There is no reason to visit any agencies because quoted prices will be sent immediately to you. You can get cheaper auto insurance rates and an insurance agent to talk to. If you have a need to compare prices from one company in particular, you would need to search and find their rate quote page and fill out their quote form.

Selecting a insurer needs to be determined by more than just the premium amount. Any agent in Atlanta should be willing to answer these questions.

• Is insurance their full-time profession?
• Is every driver in your family covered?
• Does the company allow you to choose your own collision repair facility?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• How much will you save each year by using a higher deductible?
• What are the financial ratings for the companies they represent?
• Can glass claims be handled at your home?
• What is the agency’s Better Business Bureau rating?

Choose the right car insurance agent

If you want to use a good insurance agency, you must know there are a couple different types of agents and how they work. Insurance agencies in Atlanta are either exclusive or independent.

Exclusive Auto Insurance Agents

These agents write business for a single company such as Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive agents receive a lot of sales training on sales techniques which can be an advantage. Drivers often buy from the same agent for years mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

Below is a list of exclusive insurance agencies in Atlanta that can give you rate quotes.

• Allstate Insurance: Drew Niess
  3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 – View Map
• Aaron Frazier – State Farm Insurance Agent
  NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
• State Farm: Dave Simpson Jr
  2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map

More insurance agents

Independent Auto Insurance Agencies

Agents of this type often have many company appointments so they can write business with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, your policy is moved internally and you don’t have to do anything.

When comparing rate quotes, you should always get several quotes from a couple of independent agencies to maximize your price options. Many independent agencies also insure through lesser-known insurance companies which can save you money.

Below is a short list of independent insurance agents in Atlanta who can help you get price quotes.

• Nationwide Insurance: Walter Wade Agency
  4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 – View Map
• Snellings Walters Insurance Agency
  1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map
• Perimeter Insurance Agency
  5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map

More insurance agents

How to know if you need help

Always remember that when buying a policy for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Why am I required to buy high-risk coverage?
• Where can I find DUI or SR-22 insurance?
• When can my company non-renew my policy?
• Is pleasure use cheaper than using my GMC Acadia to commute?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered when driving in Canada or Mexico?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are rock chip repairs covered?
• What if a claim settlement is too low?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Five Things That Influence Your Insurance Prices

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate your premiums. If you understand what determines base rates, this allows you to make good choices that can earn you lower rates.

The items below are a few of the things that factor into your rates.

Is car insurance cheaper for males or females? – Statistics demonstrate women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Men and women cause fender benders in similar percentages, but the males cause more damage. They also receive more costly citations like DUI and reckless driving.

Theft deterrents lower premiums – Selecting a car model with anti-theft technology or alarm system can save you some money. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.

Lower car insurance rates with continuous coverage – Having a lapse in insurance coverage is a guaranteed way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance may result in a revoked license or a big fine.

Getting married is a bonus – Having a significant other actually saves money on car insurance. It translates into being more mature and statistics show being married results in fewer claims.

Only buy coverage you need – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness, and membership fees are probably not needed. They may seem good at first, but if you have no use for them remove them from your policy.

Claims statistics for a GMC Acadia – Car insurance companies include the past claim trends for vehicles to determine a rate that will be profitable for them. Models that are shown to have higher number or severity of losses will have higher premium rates.

The table shown below demonstrates the compiled insurance loss statistics for GMC Acadia vehicles. For each type of coverage, the claim amount for all vehicles compiled together is a value of 100. Values under 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or tendency to have larger claims.

Why you need GMC Acadia insurance in Georgia

Even though it can be expensive, paying for insurance may be mandatory for several reasons.

• Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a loan, most banks will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your GMC at an extremely high rate and force you to pay much more than you were paying before.
• Insurance protects your GMC and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance are definitely more than the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $850 per year so we recommend shopping around at every policy renewal to make sure the price is not too high.

What is YOUR best insurance company?

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Cheap GMC Acadia insurance in Atlanta can be sourced from both online companies and with local Atlanta insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not have rates over the internet and these smaller providers provide coverage only through independent agents.

Insureds who switch companies do it for many reasons like denial of a claim, delays in responding to claim requests, extreme rates for teen drivers and even delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.

Additional detailed information can be read at these sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Who Has Affordable Atlanta Auto Insurance Rates for Drivers with Good Credit? (FAQ)
• Who Has the Cheapest Atlanta Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Hyundai Elantra in Atlanta? (FAQ)
• Who Has Cheap Car Insurance for a 20 Year Old Female in Atlanta? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Teen Driving Statistics (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Vehicle Insurance in the U.S. (Wikipedia)