Affordable GMC Acadia Insurance in Fort Wayne

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Insurance rates GMC Acadia in Fort WayneInconceivable but true, the vast majority of auto insurance customers have remained with the same auto insurance company for at least the last four years, and just under half have never quoted auto insurance rates at all. Most drivers in Indiana could cut their rates by nearly $697 a year just by shopping around, but they don't know the benefits if they switched.

Truthfully, the best way to get cheaper GMC Acadia insurance is to start comparing prices regularly from providers in Fort Wayne.

  1. Spend a few minutes and learn about what is in your policy and the steps you can take to prevent expensive coverage. Many risk factors that increase rates such as speeding and a not-so-good credit rating can be amended by being financially responsible and driving safely. This article gives the details to help find cheaper rates and find more discounts that you may not know about.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agents can quote rates for a wide range of insurance providers.
  3. Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price, ensure coverage does not lapse between policies.
  4. Give notification to your agent or company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment for the new coverage. As soon as coverage is bound, place the new proof of insurance paperwork with your registration paperwork.

The most important part of shopping around is to use identical coverages on each price quote and and to get price estimates from as many companies as you can. This guarantees a level playing field and a better comparison of the market.

Finding and buying affordable protection in Fort Wayne is not as confusing as people think. Basically, each driver who has to purchase car insurance will find a better price. But Indiana car owners can benefit from knowing the way insurance companies charge you for coverage because rates fluctuate considerably.

Cheapest companies for GMC Acadia insurance in Indiana

The companies shown below have been selected to offer free rate quotes in Fort Wayne, IN. If your goal is to find cheaper auto insurance in Fort Wayne, IN, it's highly recommended you compare several of them to find the cheapest car insurance rates.

Rates and other information

The rate information shown next showcases detailed analysis of coverage costs for GMC Acadia models. Learning as much as possible about how policy rates are determined can be of help when making smart choices when comparing insurance quotes.

GMC Acadia Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $186 $346 $340 $20 $102 $994 $83
Acadia SL AWD $212 $346 $340 $20 $102 $1,020 $85
Acadia SLE 2WD $212 $346 $340 $20 $102 $1,020 $85
Acadia SLE AWD $212 $420 $340 $20 $102 $1,094 $91
Acadia SLT 2WD $212 $420 $340 $20 $102 $1,094 $91
Acadia SLT AWD $240 $420 $340 $20 $102 $1,122 $94
Get Your Own Custom Quote Go

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in Fort Wayne location which can modify coverage rates noticeably.

Physical damage deductibles: Should you raise them?

One common question asked by Fort Wayne drivers is which comprehensive and collision deductibles to buy. The comparisons below help summarize the differences in price of buying low and high insurance deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

GMC Acadia insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $210 $358 $280 $16 $84 $973 $81
Acadia SL AWD $242 $358 $280 $16 $84 $1,005 $84
Acadia SLE 2WD $242 $358 $280 $16 $84 $1,005 $84
Acadia SLE AWD $242 $436 $280 $16 $84 $1,083 $90
Acadia SLT 2WD $242 $436 $280 $16 $84 $1,083 $90
Acadia SLT AWD $272 $436 $280 $16 $84 $1,113 $93
Get Your Own Custom Quote Go
GMC Acadia insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $116 $188 $280 $16 $84 $684 $57
Acadia SL AWD $134 $188 $280 $16 $84 $702 $59
Acadia SLE 2WD $134 $188 $280 $16 $84 $702 $59
Acadia SLE AWD $134 $230 $280 $16 $84 $744 $62
Acadia SLT 2WD $134 $230 $280 $16 $84 $744 $62
Acadia SLT AWD $152 $230 $280 $16 $84 $762 $64
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in Fort Wayne location which can raise or lower prices greatly.

We can derive from the above data that using a $100 deductible will cost you roughly $26 more each month or $312 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 35 months between claims, you would most likely save money if you choose the higher deductible. Here is the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $87
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 35 months

Should you buy full coverage?

The information below shows the comparison of GMC Acadia annual premium costs with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no exact rule to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's pretend your GMC Acadia replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your deductible. If you are currently paying more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Lower Your Fort Wayne Insurance Rates

Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, although others are not quite as obvious like your vehicle usage or how financially stable you are.

See if your company offers a multi-policy discount - The majority of companies provide a discount to people who buy several policies from them. It's known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more If you currently are using one company, it's in your best interest to get quotes from other companies to help guarantee you have the best rates.

Deter car thieves - Buying a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft.

Females tend to cost less - Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Females and males are responsible for fender benders in similar percentages, but the male of the species get into accidents with more damage. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.

The illustration below illustrates the difference between GMC Acadia insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Lower premiums for vehicles with better crash test results - Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and any reduction in injury severity translates directly to fewer claims passed on to you as lower rates. If the GMC Acadia is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Poor driving means higher prices - How you drive has a big impact on rates. Good drivers have lower premiums compared to bad drivers. Only having one driving citation can increase the cost of insurance twenty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions are required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.

The diagram below demonstrates how traffic citations and at-fault fender-benders influence GMC Acadia auto insurance rates for different age groups. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

GMC Acadia insurance loss statistics - Insurers study historical loss data to help set a rate to offset losses. Vehicles that the data shows to have a higher amount or frequency of claims will be charged more to insure.

The table below outlines the collected loss data for GMC Acadia vehicles. For each coverage category, the loss probability for all vehicles, regardless of make or model, is set at 100. Numbers that are below 100 indicate better than average losses, while percentages above 100 indicate more frequent losses or an increased likelihood of larger losses.

Insurance Loss Ratings for GMC Acadia Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
GMC Acadia 4dr 2WD 75 86 73 71 69 80
GMC Acadia 4dr 4WD 83 100 88 62 63 80
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Affordable GMC Acadia insurance quotes in Fort Wayne

Some insurance providers don't list every discount available in a way that's easy to find, so we took the time to find some of the best known and also the lesser-known credits available to lower your premiums when you buy Fort Wayne auto insurance online.Discount auto insurance

  • Save over 55 - Drivers over the age of 55 may receive a small decrease in premiums.
  • Discount for Passive Restraints - Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Lower Rates for Military - Being deployed with a military unit could mean lower prices.
  • Full Payment Discount - If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
  • Clubs and Organizations - Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
  • Use Seat Belts - Requiring all passengers to buckle up can save up to 15% off the medical payments premium.
  • Discounts for Responsible Drivers - Drivers who don't get into accidents may receive a discount up to 45% compared to accident prone drivers.
  • Multi-Vehicle Discounts - Buying coverage for primary and secondary vehicles on the same auto insurance policy can get a discount on all vehicles.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, that's just not realistic.

The chart below compares GMC Acadia auto insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A few popular companies and their offered discounts are:

  • State Farm may have discounts that include safe vehicle, defensive driving training, anti-theft, passive restraint, accident-free, and Drive Safe & Save.
  • American Family has savings for TimeAway discount, defensive driver, early bird, air bags, and good driver.
  • GEICO policyholders can earn discounts including membership and employees, federal employee, five-year accident-free, multi-vehicle, multi-policy, good student, and daytime running lights.
  • 21st Century offers premium reductions for defensive driver, homeowners, teen driver, automatic seat belts, good student, 55 and older, and anti-lock brakes.
  • Progressive offers discounts for multi-vehicle, good student, continuous coverage, online quote discount, homeowner, online signing, and multi-policy.

Before buying, ask each company how you can save money. Some of the earlier mentioned discounts may not apply in your state.

Compare prices but buy from a local Fort Wayne insurance agency

Some consumers prefer to talk to a local agent and that is OK! An additional benefit of comparing rates online is you may find the lowest rates and still buy from a local agent. And supporting local agencies is definitely important in Fort Wayne.

To find an agent, once you fill out this form (opens in new window), the quote information is emailed to local insurance agents who will give you bids and help you find cheaper coverage. You never need to do any legwork since price quotes are sent to you instantly. You can most likely find cheaper rates and work with a local agent. If you have a need to quote rates from a specific company, you can always visit that company's website and fill out their quote form.

If you are wanting to find a local Fort Wayne insurance agency, you need to know there are two types of insurance agents and how they function. Agencies in Fort Wayne are classified as either independent agents or exclusive agents.

Independent Car Insurance Agencies

Independent agents often have affiliation with several companies so they have the ability to put coverage through lots of different companies and get you the best rates possible. If your agent finds better pricing, an independent agent can move your coverage and you stay with the same agent. When searching for an agent, we recommend you check rates from multiple independent agents to get the most accurate price comparison. Most also write with different regional companies which may provide better rates.

Listed below is a list of independent agents in Fort Wayne that may be able to give free rate quotes.

View more Fort Wayne agents

Exclusive Insurance Agents

Agents in the exclusive channel write business for a single company like Allstate, Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so you might not find the best rates. They are usually well trained on their company's products which helps them sell on service rather than price. Consumers often buy from the same agent for years mostly because of the prominent brand name rather than having low rates.

Listed below are exclusive insurance agents in Fort Wayne that can give you price quotes.

View more Fort Wayne agents

Choosing an insurance agent requires you to look at more than just a low price. Here are some questions you might want to ask.

  • Is the coverage adequate for your vehicle?
  • Do the companies they represent have a solid financial rating?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are you getting all the discounts the company offers?
  • How long has the business existed?
  • Is there a 24/7 contact number?

After you get good responses and locked in a price quote, it's a good possibility that you have found an insurance agent that can be trusted to provide car insurance coverage. Just keep in mind you have the power to cancel a policy at any point so don't assume you are locked into a policy for the full term.

Tailor your insurance coverage to you

Keep in mind that when it comes to choosing coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different.Higher deductibles save money

For example, these questions might point out if you would benefit from an agent's advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What are the financial responsibility laws in my state?
  • Which companies are cheaper for teen drivers?
  • Should I have combined single limit or split liability limits?
  • Are my company tools covered if they get stolen?
  • Is a fancy paint job covered?
  • Do I have coverage when pulling a U-Haul trailer?

If you're not sure about 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, simply complete this short form.

A conclusion for your car insurance search

People who switch companies do it for a variety of reasons including policy non-renewal, being labeled a high risk driver, extreme rates for teen drivers or even poor customer service. No matter why you want to switch, switching car insurance companies is not as hard as you think.

Cheaper car insurance in Fort Wayne is attainable online and with local Fort Wayne insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies may not have online rate quotes and usually these smaller companies work with independent agents.

We covered some good ideas how you can reduce GMC Acadia insurance rates online in Fort Wayne. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest rates are with an unexpected company.

To read more, take a look at the resources below: