Finding the best cheap insurance for a GMC Acadia in California doesn’t take a ton of time, but it is dependent upon a lot of factors such as driver age, your address, and any prior driving citations you have received. Drivers in California pay around $1,364 each year to insure their Acadia, but that cost is an estimation calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even female, you might be single instead of married, and maybe your Acadia is older and does not require full coverage. Insurance is an individual thing, so the only way to find cheap car insurance rates for your GMC is to compare as many rates as possible.
Vehicle trim level will most likely have an effect on the cost of coverage, so the price to insure a Acadia SL 2WD trim level will be $212 less expensive the insurance cost for the higher-priced Acadia SLT AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$322||$554||$450||$26||$134||$1,486||$124|
|Acadia SL AWD||$368||$554||$450||$26||$134||$1,532||$128|
|Acadia SLE 2WD||$368||$554||$450||$26||$134||$1,532||$128|
|Acadia SLE AWD||$368||$672||$450||$26||$134||$1,650||$138|
|Acadia SLT 2WD||$368||$672||$450||$26||$134||$1,650||$138|
|Acadia SLT AWD||$416||$672||$450||$26||$134||$1,698||$142|
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in your specific San Francisco location which can lower or raise premiums considerably.
Insuring your vehicle with the best auto insurance company can be challenging considering how many companies are available to choose from in California. The company information below could help you pick which coverage providers you want to consider putting your business with. These ratings are only made up of major nationwide insurance companies, so companies that only write business in California or surrounding areas are not factored into these rankings.
Top 10 Large Auto Insurance Providers in San Francisco Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Auto Insurance Providers in San Francisco Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Rate comparison of full coverage and liability-only
Reducing the cost of auto insurance should be important to most people, and one way to find cheaper insurance for a GMC Acadia is to not insure for full coverage. The chart below compares insurance premiums with full physical damage coverage and with liability coverage only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged out for all age groups, full coverage costs an extra $2,998 per year over and above liability coverage. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There is no exact rule that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If it’s costing you more than $500 a year to have full coverage, then it might be time to buy liability only.
Don’t stick with an overpriced policy
San Francisco, CA auto insurance rates are impacted by many things that can increase the price you have to pay. Simply improving your credit, moving to a different location, or getting a DUI can produce rate changes resulting in some rates now being cheaper than competitors. Not only may your situation change, but insurance companies change prices at least once a year in order to maintain liquidity for claims. Significantly higher losses can cause more expensive prices, while long-term profits can produce more affordable Acadia insurance rates.
The graph below shows the cheapest car insurance in San Francisco, CA for a 35-year-old female driver with no accidents or violations, and a decent credit rating. If we estimate rates based on her personal profile, USAA might offer the most affordable car insurance rates in San Francisco at $1,486 per year. This is $165 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the best San Francisco, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example an at-fault accident, poor credit, and a couple of points charged on her driving record. Since each insurance company has their own formula for determining prices, analyzing rates may now show a significantly different list of the cheapest companies as shown below.
Grange now has the cheapest car insurance in San Francisco, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This illustrates why California drivers need to compare lots of rates when trying to get the lowest auto insurance quotes for a GMC Acadia. Prices are influenced by many risk factors and change dramatically, so the cheapest option the last time you compared rates may now be an over-priced policy.
How to find the cheapest auto insurance for a GMC Acadia
The list below summarizes many thrifty suggestions that can help you buy lower-cost auto insurance.
- Increase your credit rating
- Buy your homeowners policy from the same company as your auto insurance
- Save money by insuring older vehicles for liability only
- Safer vehicles generally have cheaper insurance rates
- Maintain a safe distance and avoid accidents
- Comparison shop at least every other year
That last idea is extremely crucial, as we noted in this write-up. Insurance rates vary greatly, so don’t be hesitant to switch carriers if you find a better deal.
Having brand loyalty is commendable, but it’s not a great idea if that dedication is costing hundreds every year. It takes less than five minutes to shop around to find cheaper car insurance for a GMC Acadia in San Francisco.
If you like to have some advice when shopping for cheaper insurance for a GMC Acadia, the agencies below can probably answer your questions and help you decide which is the best policy. To find an agent near you, click the button after the list or click here to compare rates now.
- Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190
- Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440
- Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400
- Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994
- Kiet Nguyen – State Farm Insurance Agent
4198 Mission St – San Francisco, CA 94112 – (415) 587-1880