Finding affordable auto insurance for a GMC Acadia in Ohio is dependent upon a whole bunch of rating criteria such as age of the driver, your credit rating, and driving violations. Ohio drivers pay approximately $812 a year to insure their Acadia, but that price is a projection based on a 30-year-old single male driver with full coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a male, possibly married instead of single, and you don’t want the same coverages and limits as the example. This illustrates why the only real way to find cheap insurance prices for your GMC is to compare as many rates as possible. Get your free quotes now and you can get prices from some of the cheapest companies available.
Vehicle trim level impacts the cost of insurance, so the price to insure a Acadia SL 2WD trim level will be $120 less than the insurance cost for the more costly Acadia SLT AWD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$194||$290||$298||$18||$88||$888||$74|
|Acadia SL AWD||$222||$290||$298||$18||$88||$916||$76|
|Acadia SLE 2WD||$222||$290||$298||$18||$88||$916||$76|
|Acadia SLE AWD||$222||$352||$298||$18||$88||$978||$82|
|Acadia SLT 2WD||$222||$352||$298||$18||$88||$978||$82|
|Acadia SLT AWD||$252||$352||$298||$18||$88||$1,008||$84|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in zip code location which can revise insurance rates considerably.
Which insurance company is best in Cincinnati?
Insuring your vehicle with the highest-rated auto insurance provider is difficult considering how many different companies there are to choose from in Cincinnati. The company rank data shown next can help you select which car insurance providers to look at comparing rates from.
These ratings are for large insurance companies, so companies that only write business in Ohio or surrounding areas will not be included in this list. To compare price quotes from many more Ohio auto insurance companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Cincinnati auto insurance rates
Car insurance companies that offer quotes for a GMC Acadia may additionally offer discounts that could potentially reduce rates by as much as 25% or more if you are eligible. A few of the larger companies and a selection of discounts are outlined below.
- State Farm may have discounts that include Steer Clear safe driver discount, accident-free, good driver, safe vehicle, passive restraint, and Drive Safe & Save.
- GEICO includes discounts for multi-vehicle, daytime running lights, five-year accident-free, driver training, and air bags.
- Progressive has discounts for good student, continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and online signing.
- 21st Century may offer discounts for automatic seat belts, 55 and older, teen driver, early bird, student driver, and theft prevention.
- American Family policyholders can earn discounts including early bird, good student, bundled insurance, mySafetyValet, defensive driver, and accident-free.
- The Hartford offers discounts including driver training, defensive driver, bundle, good student, vehicle fuel type, air bag, and anti-theft.
- AAA offers premium reductions for multi-policy, education and occupation, multi-car, good driver, pay-in-full, good student, and AAA membership discount.
The chart below shows the comparison of auto insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no violations or claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, accident-free, defensive driving course, multiple vehicle, anti-theft, and multiple policy discounts applied. When discounts are factored in, the average amount saved each year on insurance for a GMC Acadia is 28% or $428.
Liability rates compared to full coverage
Reducing the cost of insurance is the goal of most people, and one of the quickest ways to find cheaper insurance for a GMC Acadia is to only buy liability coverage. The example below shows the difference between insurance costs when comparing full coverage to liability only. The data assumes no violations or claims, $100 deductibles, single status, and no policy discounts are applied.
As an average for all age groups, physical damage coverage costs $1,552 per year more than just buying liability only. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no set rule for excluding full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s claim settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,500 after paying the physical damage deductible. If you are paying more than $350 a year for your policy with full coverage, then it might be time to buy liability only.
What aren’t you shopping around?
Cincinnati, OH insurance rates are based on many factors that can increase the price of your policy. Simply getting older, buying another vehicle, or getting a reckless driving citation may prompt premium changes that can cause some rates to be cheaper than others.
In addition, car insurance companies file new Ohio auto insurance rates as often as every quarter to adjust for gains or losses. A period of increased losses may cause additional premium costs, while long-term profits may result in cheaper Acadia insurance rates.
For instance, the graph below demonstrates which company has the cheapest car insurance in Cincinnati, OH for a 30-year-old male driver with no prior claims, no tickets, and a good credit rating. Based on his current rating profile, Utica National may have the lowest car insurance rates in Cincinnati at $803 each year. This is $237 less than the average price paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and USAA round out the rest of the cheapest Cincinnati, OH auto insurance companies.
The next chart shows rates after we give the driver in the first chart a chargeable claim, bad credit, and a speeding ticket. Because each company has their own guidelines for setting prices, comparing prices may now result in a completely different list of cheap Cincinnati auto insurance companies as shown below.
Merchants Insurance Group now has the best car insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This example demonstrates why Cincinnati drivers need to spend some time comparing rates when trying to find the cheapest auto insurance quotes for a GMC Acadia.
Car insurance prices can be determined by many risk factors and can change substantially, so the cheapest rate when you bought your policy may now be quite expensive.
Tips for finding economical car insurance for a GMC Acadia
The list below details some of the better penny-pinching suggestions that can help you locate low-cost coverage.
- Older vehicles may not need full coverage
- Bundle home and auto and save
- Avoid at-fault accidents and claims
- Choose a safer vehicle and pay lower rates
- Improve your credit score
- Comparison shop frequently
The final tip is especially important, as was emphasized in the prior article. Prices charged by car insurance companies can change considerably based on profitability, so drivers shouldn’t be resistant to switch to a new company if you can save money.
Having a favorite company is great, but it’s not a good idea if that loyalty ends up costing hundreds of dollars a year. Take a couple minutes and compare rates to find cheaper car insurance for a GMC Acadia in Cincinnati.