Getting low-cost Mesa GMC Acadia insurance quotes on the web can appear to be somewhat intimidating for drivers who are beginners to quoting and comparing and buying auto insurance on the internet. With so many insurance agents and online companies, how can you effectively compare all the different companies and get better prices?
A recent auto insurance study discovered that almost 70% of drivers kept their policy with the same company for more than four years, and nearly the majority have never compared auto insurance rates at all. Arizona insurance shoppers could save as much as $700 a year by just comparing rate quotes, but they think it’s difficult to compare other rate quotes.
Consumers should take time to do rate comparisons before your policy renews due to the fact that insurance prices are variable and change quite frequently. If you had the lowest price on GMC Acadia insurance in Mesa two years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to get good coverage on GMC Acadia insurance in Mesa at a lower rate.
If you currently have a car insurance policy, you will surely be able to reduce the price you pay using these techniques. We hope to let you in on the best ways to compare prices and some tips to save money. But Arizona vehicle owners must comprehend how the larger insurance companies market on the web.
Low Cost companies for GMC Acadia insurance
The providers in the list below are ready to provide free rate quotes in Arizona. To get cheap auto insurance in AZ, we recommend you click on several of them in order to find the most competitive rates.
Facts and figures for GMC Acadia insurance
The rate table shown below outlines different prices for GMC Acadia models. Having a better understanding of how auto insurance policy rates are formulated is important for drivers to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| Acadia SL AWD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| Acadia SLE 2WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| Acadia SLE AWD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Acadia SLT 2WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Acadia SLT AWD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in vehicle location which can increase or decrease prices noticeably.
Insurance deductibles
One frequently asked question is which deductible level should you buy. The figures shown below determine the price difference when you select higher and lower insurance deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Acadia SL AWD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Acadia SLE 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Acadia SLE AWD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Acadia SLT 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Acadia SLT AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Acadia SL AWD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Acadia SLE 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Acadia SLE AWD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Acadia SLT 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Acadia SLT AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in Mesa location which can modify coverage rates greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $20 more each month or $240 annually averaged for all Acadia models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 38 months between claim filings, you would save money if you elect the higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $85 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 38 months |
One thing to be aware of is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. You should have some extra savings in the event you have to pay more to get your vehicle repaired.
Insurance rates by gender and age in Mesa
The diagram below illustrates the comparison of GMC Acadia yearly insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you buy full coverage?
The diagram below shows the comparison of GMC Acadia insurance prices with full physical damage coverage compared to only buying liability only. The rates are based on no accidents or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.
When to eliminate full coverage
There is no exact rule that works best for making the decision to drop 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 the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your GMC Acadia replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your deductible. If you are paying more than $600 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Get cheaper GMC Acadia insurance rates in Mesa
Buying car insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at quote time, but a few need to be specially asked for prior to getting the savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.
- Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
- Use Seat Belts – Drivers who require all occupants to buckle up before driving can save up to 15% off the medical payments premium.
- ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and will save you 10% or more on Acadia insurance in Mesa.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents could pay up to 40% less as compared to drivers with claims.
- Sign Early and Save – Select car insurance companies give a discount for buying a new policy early. It’s a savings of about 10%.
- Professional Organizations – Being a member of certain professional organizations is a good way to get lower rates on your next renewal.
- Military Rewards – Being deployed in the military may qualify for rate reductions.
- Accident-Free Discounts – Mesa drivers who stay claim-free are rewarded with significantly better rates on Mesa car insurance quote when compared to policyholders that have many claims.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a Mesa car insurance quote.
- Distant Student Discount – Youth drivers who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
Please keep in mind that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.
The chart below illustrates the difference between GMC Acadia car insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.
A few of the larger companies and a selection of discounts are included below.
- State Farm has discounts for Steer Clear safe driver discount, multiple autos, Drive Safe & Save, good driver, safe vehicle, passive restraint, and driver’s education.
- GEICO offers discounts including multi-vehicle, air bags, defensive driver, driver training, military active duty, and federal employee.
- Progressive discounts include multi-policy, online quote discount, good student, homeowner, and continuous coverage.
- 21st Century has savings for driver training, defensive driver, 55 and older, early bird, and anti-lock brakes.
- American Family may include discounts for TimeAway discount, air bags, accident-free, Steer into Savings, good student, and early bird.
- The Hartford policyholders can earn discounts including air bag, anti-theft, driver training, vehicle fuel type, and good student.
- AAA may have discounts that include pay-in-full, good driver, multi-car, anti-theft, and multi-policy.
When quoting, ask every company which discounts you may be entitled to. A few discounts might not be offered on policies in Mesa.
Compare rates but still have a neighborhood Mesa auto insurance agent
A small number of people just want to have an agent’s advice and that is just fine! A nice benefit of comparing car insurance online is that drivers can save money and get the best rates and still choose a local agent. And buying from small agencies is important especially in Mesa.
For easy comparison, once you complete this short form, the coverage information is immediately sent to companies in Mesa who will give competitive quotes for your coverage. There is no reason to contact an agency since rate quotes are delivered to your email. You can get cheaper car insurance rates without having to waste a lot of time. If for some reason you want to get a price quote from one company in particular, you can always navigate to their website and submit a quote form there.
When finding a reliable agent, it’s helpful to know the different types of agencies and how they differ in how they can insure your vehicles. Car insurance agents in Mesa can be described as either independent or exclusive.
Independent Car Insurance Agencies
Independent agents do not work for one specific company so as a result can place your coverage through many companies and get you the best rates possible. If premiums increase, they simply move the coverage in-house and you don’t have to do anything.
When comparing rates, you definitely need to compare prices from a couple of independent agencies so that you can do a thorough price comparison. Most independent agents also contract with smaller regional carriers that may have much lower rates than larger companies.
Listed below are independent insurance agents in Mesa that can possibly get you free car insurance quotes.
- Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map - Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map - Diamond Insurance Agency
1933 W Main St # 5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
Exclusive Agents
These type of agents normally can only provide a single company’s rates and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents are well trained on sales techniques which helps them compete with independent agents. A lot of people buy from exclusive agents mainly due to high brand loyalty and strong financial ratings.
Shown below is a short list of exclusive insurance agents in Mesa who can help you get price quotes.
- Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779 – View Map - Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map - Farmers Insurance – Kevin Shelton
2651 W Guadalupe Rd #102 – Mesa, AZ 85202 – (480) 718-9498 – View Map
Choosing the best insurance agency shouldn’t rely on just the bottom line cost. Any agent in Mesa should have no problem answering these questions:
- If you have an accident, will your rates go up?
- Will the agent or a CSR service your policy?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are there any discounts that you might be missing?
- Are there any discounts for paying up front?
Mesa car insurance companies
Buying coverage from the top insurance provider can be challenging considering how many different insurance companies sell coverage in Arizona. The ranking data listed below could help you analyze which car insurance providers you want to consider when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Quote more to save more
Cost effective GMC Acadia insurance is definitely available from both online companies and with local Mesa insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide online rate quotes and these smaller providers sell through independent agencies.
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, policy non-renewal, being labeled a high risk driver and lack of trust in their agent. Whatever your reason, finding a new insurance company is easier than you think.
How to find cheaper rates for GMC Acadia insurance in Mesa
If saving the most money is your goal, then the best way to get low-cost GMC Acadia insurance is to compare prices regularly from insurers in Mesa.
First, read and learn about what coverages are included in your policy and the things you can change to lower rates. Many rating factors that result in higher prices like at-fault accidents, speeding tickets, and a less-than-favorable credit score can be rectified by improving your driving habits or financial responsibility.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple insurance companies. Start a quote
Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
Fourth, give notification to your agent or company of your intention to cancel your existing policy and submit a completed policy application and payment to your new company or agent. As soon as coverage is bound, place your new proof of insurance certificate with the vehicle registration.
A key point to remember is to try to use similar coverage information on each quote request and and to get quotes from as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and maximum price selection.
To read more, link through to the following helpful articles:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
- Side Impact Crash Tests (iihs.org)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Crash Avoidance Technologies FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)