Buying cheap coverage for a GMC Acadia is pretty simple for most people to do, but it is dependent upon a lot of rating criteria such as your gender, your credit score, and your motor vehicle report. Drivers in Texas will pay on average $839 per year for Acadia insurance, but that amount is based upon a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you are not 40 and maybe not even a female, possibly single instead of married, and maybe your Acadia just needs liability-only coverage. Even a minor change in the factors used in pricing a policy can result in a massive change in the policy cost.
Not every driver requires the same auto insurance coverages, so the only real way to find the most affordable coverage for your GMC is to compare as many rates as possible.
The specific trim level can impact the annual cost of coverage, so the price you pay to insure a Acadia SL 2WD will be $94 less expensive the insurance cost for the more costly Acadia SLT AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$136||$252||$400||$24||$120||$932||$78|
|Acadia SL AWD||$156||$252||$400||$24||$120||$952||$79|
|Acadia SLE 2WD||$156||$252||$400||$24||$120||$952||$79|
|Acadia SLE AWD||$156||$306||$400||$24||$120||$1,006||$84|
|Acadia SLT 2WD||$156||$306||$400||$24||$120||$1,006||$84|
|Acadia SLT AWD||$176||$306||$400||$24||$120||$1,026||$86|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
Selecting the best insurance provider is hard considering how many different companies sell coverage in Lubbock. The information in the next section can help you select which auto insurers to look at comparing rates from.
These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings. To check prices from many more Texas auto insurance companies, click this link.
Top 10 Major Auto Insurers in Lubbock Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Full coverage versus liability-only
Finding cheaper car insurance should be important to the majority of vehicle owners, and one common way to pay lower rates for insurance for a GMC Acadia is to buy only liability coverage. The information below shows the difference between insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied.
As an overall average, full coverage costs an additional $2,161 per year more than buying just liability insurance. Many people question when is the right time to remove full coverage. There is no set guideline to eliminate physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
How to get discounts on Lubbock auto insurance
Insurers that offer coverage for a GMC Acadia may have policy discounts that may potentially lower prices by as much as 25% or more if you meet certain criteria. The best car insurance companies and a summarized list of policyholder discounts include:
- 21st Century offers discounts for automatic seat belts, defensive driver, teen driver, early bird, anti-lock brakes, and theft prevention.
- State Farm has discounts for driver’s education, student away at school, good student, good driver, Steer Clear safe driver discount, and accident-free.
- AAA may include discounts for good student, multi-policy, anti-theft, good driver, multi-car, pay-in-full, and education and occupation.
- Liberty Mutual includes discounts for hybrid vehicle, exclusive group savings, teen driver discount, new vehicle discount, preferred payment discount, and multi-policy.
- Progressive may have discounts that include online signing, online quote discount, continuous coverage, homeowner, and multi-vehicle.
The information below illustrates the difference between yearly insurance costs with and without discounts applied. The premium estimates are based on a male driver, no claims, a clean driving record, Texas 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 lower bar shows the rates with homeowner, vehicle safety, multiple vehicle, passive restraint, anti-theft, and claim-free discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a GMC Acadia is 28% or $493.
Tips for buying budget-friendly car insurance for a GMC Acadia
Here are some thrifty solutions that can help Texas drivers find lower-cost coverage.
- Pay less by remaining claim-free
- Keep your driving record clean
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid at-fault accidents and claims
- Buy safe vehicles
- Compare rates and switch if you can find a better deal
That last idea is certainly vital, as was stressed in this article. Prices charged by auto insurers in Lubbock adjust often, so don’t be afraid to change to a new company if you can find a cheaper rate.
Having a favorite company is fine, but it’s not recommended if that dedication is costing thousands of dollars over the life of your policy. In less than five minutes you could compare rates and find cheaper insurance for a GMC Acadia.
If you like to have the advice of a professional agent when comparing insurance rates for a GMC Acadia, the agents listed below can answer your questions and help you decide which coverages you need. To find an auto insurance agency close to where you live, click the button at the bottom.
- Shamburger Agency
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959
- Grimes Insurance Agency Inc
1651 Broadway St – Lubbock, TX 79401 – (806) 762-0544
- Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344
- Zuniga Insurance Agency
1407 19th St – Lubbock, TX 79401 – (806) 702-4918
- Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555