Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, there are lots of people in the same boat. There is such a variety of auto insurance companies to choose from, and even though it’s nice to have a choice, it can be more challenging to compare company pricing.
Consumers should take time to shop coverage around before your policy renews because prices go up and down regularly. Even if you got the best rates for Acadia insurance a few years ago you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to demonstrate the only way to find great coverage at a great price.
Most companies provide prices directly from their websites. Getting quotes is quite simple as you simply type in your coverage preferences as detailed in the form. Upon sending the form, the company’s rating system makes automated requests for credit information and your driving record and generates pricing information. Online price quotes makes comparing rates easy, but the time it takes to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find the lowest possible prices on insurance.
Rate comparisons made easy
The quickest way to get multiple rate quotes uses one form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes online shopping much simpler. Immediately after submitting the form, your coverage is rated and you can choose your choice of the quotes returned. If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and could lower your rates considerably.
To find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will be getting comparison quotes based on identical coverages.
Car insurance companies do not list every discount very clearly, so here is a list both well-publicized as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you are paying more than you should be.
Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.
For a list of insurance companies with discount car insurance rates, click here.
When choosing the best auto insurance coverage, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.
Auto liability insurance
This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers claims like court costs, emergency aid, medical services, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like vandalism, rock chips in glass, hitting a deer and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Acadia.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for bills for surgery, nursing services, funeral costs and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Collision insurance will pay to fix damage to your Acadia caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.