2007 GMC Acadia Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2007 GMC Acadia are $984 a year including full coverage. Comprehensive costs an estimated $156, collision insurance costs $196, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,116. Teen drivers receive the highest rates at up to $3,990 a year.
Annual premium for full coverage: $984
Rate estimates for 2007 GMC Acadia Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 GMC Acadia models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $522 for only liability insurance to the much higher price of $2,116 for high-risk insurance.
These differences highlight why everyone should compare prices for a targeted area and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2007 GMC Acadia Insurance
Are you tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers.
Consumers have many insurance companies to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to find the best rates for your vehicles.
Consumers need to take a look at other company’s rates on a regular basis because prices are variable and change quite frequently. Just because you found the lowest price on Acadia coverage a couple years back there may be better deals available now. There is a lot of wrong information about insurance on the internet, so we’re going to give you some tested techniques to find cheap insurance.
The purpose of this article is to let you in on the best way to quote coverages and some tricks to saving. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. But drivers should learn the way companies sell insurance online and take advantage of how the system works.
How to Compare Insurance Quotes
There are several ways to compare quotes from different insurance companies. The quickest method to compare 2007 GMC Acadia insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.
- A different way to compare prices is spending the time to visit the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare rates from Farmers, GEICO and GMAC. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.
It’s your choice how you get your quotes, but double check that you are using exactly the same coverage limits and deductibles with each company. If you use higher or lower deductibles it’s impossible to determine the best price for your GMC Acadia. Just a small difference in limits may result in large price differences. It’s important to know that obtaining a wide range of quotes helps you find the best price.
Don’t overlook these nine discounts
Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but some must be specifically requested before you will receive the discount.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
- No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
- Claim Free – Claim-free drivers pay much less compared to frequent claim filers.
- College Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
- Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Acadia coverage than less cautious drivers.
It’s important to note that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. But any discount will reduce your premiums.
Companies who might offer some of the above discounts are:
- Farm Bureau
- Liberty Mutual
- American Family
Double check with every prospective company which discounts they offer. Some discounts might not be offered in your state.
Is my situation unique?
When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs might need an agent’s assistance.
- Exactly who is provided coverage by my policy?
- When should I remove comp and collision on my 2007 GMC Acadia?
- How do I insure my teen driver?
- What is the ISO rating for a 2007 GMC Acadia?
- How high should my uninsured/underinsured coverage be in my state?
- How much can I save by bundling my policies?
- Am I covered when pulling a rental trailer?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent.
Insurance coverages explained
Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Acadia.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive or Other Than Collision
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, falling objects, hitting a deer, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, X-ray expenses, surgery and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
This covers damage to your Acadia from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Liability auto insurance
Liability insurance can cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like medical services, repair bills for other people’s vehicles, court costs and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Rates by U.S. City
|New York City, NY||$1,554|
|Los Angeles, CA||$1,680|
Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$59|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.