Do you want to stop overpaying and find cheaper GMC Acadia insurance in Colorado Springs? Nobody I know likes paying for auto insurance, especially when they know their premiums are through the roof.
Surprisingly, a recent survey revealed that about 70% of customers have purchased from the same company for a minimum of four years, and 38% of drivers have never quoted auto insurance rates at all. Colorado Springs insurance shoppers could save themselves roughly 35% a year, but most undervalue the big savings they would realize if they swap their current policy for a cheaper one. Due to the fact that there are so many insurance companies to choose from that have cheaper insurance for a GMC Acadia in Colorado Springs, it can be impossible to find a more affordable company.
It is always a good idea to price shop coverage yearly since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest premium rates on GMC Acadia insurance in Colorado Springs two years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I'm going to teach you how to quote online to save on auto insurance.
Companies offering cheap GMC Acadia prices in Colorado Springs, CO
The companies in the list below are our best choices to provide comparison quotes in Colorado Springs, CO. If more than one company is shown, we recommend you get prices from several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$226||$462||$396||$24||$118||$1,226||$102|
|Acadia SL AWD||$234||$368||$396||$24||$118||$1,140||$95|
|Acadia SLE 2WD||$260||$462||$396||$24||$118||$1,260||$105|
|Acadia SLE AWD||$212||$388||$338||$20||$100||$1,058||$88|
|Acadia SLT 2WD||$144||$282||$368||$22||$110||$926||$77|
|Acadia SLT AWD||$294||$536||$368||$22||$110||$1,330||$111|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can alter coverage rates greatly.
An analysis of deductible level
The diagram below demonstrates how deductible levels and can influence GMC Acadia annual premium costs for different age groups. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied.
Lower-cost GMC Acadia insurance in Colorado Springs
Some providers don't always publicize every discount in an easy-to-find place, so the below list has a few of the more common in addition to some of the lesser obvious credits available to you. If they aren't giving you every credit you deserve, it's possible you qualify for a lower rate.
- Driver Training Discounts - Completing a course in defensive driving could cut 5% off your bill and make you a better driver.
- Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- Good Student Discount - Excelling in school can save 20 to 25%. This discount can apply until age 25.
- Student in College - Older children who are enrolled in higher education away from home and do not take a car to college could get you a discount.
- Paperless Signup - A few larger online companies may give you up to $50 for buying your policy over the internet.
- Early Payment Discounts - By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, it's just not the way it works.
A list of car insurance companies and their offered discounts can be found below.
- Farmers Insurance may include discounts for switch companies, mature driver, electronic funds transfer, alternative fuel, homeowner, pay in full, and multi-car.
- State Farm has discounts for multiple policy, driver's education, Steer Clear safe driver discount, defensive driving training, student away at school, multiple autos, and passive restraint.
- Liberty Mutual discounts include safety features, newly married, exclusive group savings, multi-car, good student, and teen driver discount.
- MetLife includes discounts for accident-free, claim-free, defensive driver, good driver, good student, multi-policy
- Progressive offers premium reductions for multi-vehicle, good student, online signing, multi-policy, homeowner, online quote discount, and continuous coverage.
Before buying, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered in your state. To view providers that offer the discounts shown above in Colorado Springs, follow this link.
When should I get advice from a local insurance agent?
Certain consumers just want to go talk to an agent and that is a personal choice. Professional agents can help determine the best coverages and help submit paperwork. An additional benefit of comparing car insurance online is the fact that drivers can get lower auto insurance rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your information is instantly submitted to participating agents in Colorado Springs who will give you quotes for your car insurance coverage. You don't have to find an agent on your own since price quotes are sent directly to you. If you wish to get a price quote from a specific car insurance provider, you can always find their quoting web page and fill out their quote form.
Finding the right company needs to be determined by more than just a cheap price quote. Any agent in Colorado Springs should be forthright in answering these questions:
- Who are their largest clients?
- Do they specialize in personal lines auto insurance in Colorado Springs?
- What discounts might you be missing?
- Are claims handled at the agent's location?
- Will they give you a referral list?
Listed below are agents in Colorado Springs that are able to give comparison quotes for GMC Acadia insurance in Colorado Springs.
Jeff Schmidt - State Farm Insurance Agent
1230 Tenderfoot Hill Rd Ste. 200 - Colorado Springs, CO 80906 - (719) 445-0070 - View Map
If you receive answers to your satisfaction for all questions you ask and a low price estimate, you've probably found a company that meets the requirements to provide car insurance coverage. But remember, it's your policy and you can cancel a policy whenever you wish so never assume that you are permanently stuck with the car insurance policy for the full policy term.
Car insurance buyers beware
Consumers can't ignore all the ads that claim the best premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make the same claim that drivers can save some big amount just by moving your policy.
How is it plausible that every one can make the same claim? Here is how they do it.
All companies quote their cheapest rates for the type of insured they prefer to insure. For instance, this type of driver may need to be between 25 and 40, owns a home, and insures a new vehicle. Anyone who fits those characteristics will probably get the lowest premium rates and is almost guaranteed to save a lot of money.
Potential insureds who don't qualify for this stringent profile will get higher premiums and this results in business going elsewhere. If you pay attention, the ads say "drivers that switch" but not "everyone who gets a quote" will save that much if they switch. This is how insurance companies can make the claims of big savings. This illustrates why drivers should compare many company's premium rates. It is impossible to predict which car insurance company will have better auto insurance rates than you're paying now.
The coverage is in the details
Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.
Liability car insurance - Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/15 that means you have $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and $15,000 of coverage for damaged propery.
Liability can pay for things like medical services, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford. Colorado requires minimum liability limits of 25/50/15 but it's recommended drivers buy more liability than the minimum.
Comprehensive coverage - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as fire damage, theft, hail damage and damage from flooding. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Acadia.
Due to the fact that many Colorado drivers carry very low liability coverage limits (25/50/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverages - This pays for damage to your Acadia caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to bump up the deductible on your Acadia in order to get cheaper collision rates.
Medical payments coverage and PIP - Med pay and PIP coverage pay for immediate expenses such as dental work, pain medications, hospital visits and surgery. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Be persistent and save
As you shop your coverage around, never reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.
We've covered a lot of tips how to lower your GMC Acadia insurance car insurance rates in Colorado Springs. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a small mutual company. Some small companies can often provide lower premium rates in certain areas than their larger competitors like State Farm or Progressive.
To learn more, feel free to browse the articles below:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Cheap Colorado Car Insurance Rates for Good Students? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Colorado? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Welfare Recipients? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teachers in Colorado? (FAQ)
- What Car Insurance is Cheapest for 18 Year Olds in Colorado? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Vehicle Safety Ratings (iihs.org)
- Learn About Car Insurance (GEICO)