Truthfully, the best way to find discount GMC Acadia insurance in Cincinnati is to compare prices once a year from insurance carriers who provide auto insurance in Ohio. Rate comparisons can be done by following these steps.
- First, get an understanding of coverages and the things you can change to keep rates down. Many rating criteria that cause rate increases like accidents, traffic tickets, and a substandard credit history can be improved by making lifestyle changes or driving safer.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can give you price quotes from many different companies.
- Third, compare the price quotes to your current policy premium to see if you can save by switching companies. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
- Fourth, give notification to your current company of your intent to cancel the current policy. Submit the required down payment along with the signed application to your new agent or company. Once received, keep your new certificate of insurance with the vehicle registration.
One bit of advice is to try to compare the same liability limits and deductibles on every quote and and to get price quotes from as many different insurance providers as possible. This helps ensure a level playing field and the most accurate and complete price analysis.
Shockingly, the vast majority of car insurance customers in Ohio kept buying from the same company for at least four years, and about 40% of consumers have never compared rates to find lower-cost insurance. Many consumers in the United States could save nearly $859 a year just by getting comparison quotes, but they underestimate the amount of money they would save if they bought a different policy.
Comparing rates for more affordable coverage in Cincinnati is not that difficult. If you already have coverage or just want to reduce your rates, use these money-saving tips to find better prices without sacrificing coverage. Smart buyers just have to know the proper methods to quote multiple rates online from multiple companies.
The companies shown below can provide price comparisons in Ohio. To get the cheapest auto insurance in OH, we recommend you click on several of them to get the best price comparison.
Cheaper rates on GMC Acadia insurance in Cincinnati with these nine auto insurance discounts
Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Some of these discounts will be visible when you complete an application, but less common discounts must be asked for in order for you to get them.
- Payment Method – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
- Safety Course Discount – Taking part in a defensive driving course could possibly earn you a 5% discount and make you a better driver.
- Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease depending on your auto insurance provider.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.
- Buy New and Save – Putting insurance on a new Acadia can get you a discount because newer models keep occupants safer.
- Active Military Service – Having an actively deployed family member may lower your premium rates slightly.
- Student Driver Training – Have your child enroll in driver’s education as it can save substantially.
- Distant Student Discount – Older children living away from Cincinnati attending college and won’t have access to an insured vehicle could get you a discount.
- No Accidents – Claim-free drivers have much lower rates when compared with frequent claim filers.
You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, you aren’t that lucky. But any discount will lower your policy premium.
The information below shows the difference between GMC Acadia insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
To find insurance companies who offer cheap GMC Acadia insurance quotes in Cincinnati in Ohio, click this link.
Insurance data for a GMC Acadia
The premium table displayed next showcases different insurance rates for GMC Acadia models. Being aware of how prices are determined is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $148 | $238 | $232 | $14 | $70 | $702 | $59 |
| Acadia SL AWD | $170 | $238 | $232 | $14 | $70 | $724 | $60 |
| Acadia SLE 2WD | $170 | $238 | $232 | $14 | $70 | $724 | $60 |
| Acadia SLE AWD | $170 | $290 | $232 | $14 | $70 | $776 | $65 |
| Acadia SLT 2WD | $170 | $290 | $232 | $14 | $70 | $776 | $65 |
| Acadia SLT AWD | $192 | $290 | $232 | $14 | $70 | $798 | $67 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific location which can change prices noticeably.
The diagram below shows how different deductible levels and can affect GMC Acadia insurance costs for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below compares GMC Acadia insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The premium estimates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no additional discounts are factored in.
Are you wasting money on full coverage?
There isn’t a written rule to stop buying physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your GMC Acadia settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If premium cost is more than $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.