2010 GMC Acadia Insurance Rates
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UPDATED: Nov 29, 2021
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Average insurance rates for a 2010 GMC Acadia are $1,070 a year including full coverage. Comprehensive insurance costs on average $184 a year, collision costs $254, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,306 or more. Teen drivers receive the highest rates at $4,260 a year or more.
Annual premium for full coverage: $1,070
Rate estimates for 2010 GMC Acadia Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 driver in their 40's, prices range go from as low as $522 for just liability coverage to a high of $2,306 for a driver who has had serious violations or accidents.
These differences highlight why it is important for drivers to compare rates based on a specific location and risk profile, rather than using 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 2010 GMC Acadia Insurance
Want better insurance rates for your GMC Acadia? Having to pay for overpriced GMC Acadia insurance can empty your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to tighten up your finances. With consumers having so many different company options, it’s difficult to find the right company.
It’s smart to do rate comparisons before your policy renews because prices trend upward over time. Just because you had the lowest rates for Acadia coverage a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding insurance on the internet, so by reading this article, you’re going to learn some proven techniques to buy insurance cheaper.
Are you getting all your discounts?
Companies offering auto insurance do not advertise all their discounts very clearly, so we researched both the well known and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit possible, you are paying more than you should be.
- Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
- Service Members Pay Less – Having a family member in the military can result in better rates.
- Organization Discounts – Affiliation with a qualifying organization may earn a discount on insurance coverage for Acadia coverage.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
- Own a Home – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
- Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
- Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.
Insurance companies who might offer these money-saving discounts include:
- State Farm
- Farmers Insurance
- Auto-Owners Insurance
- The Hartford
- Farm Bureau
Double check with every prospective company which discounts you may be entitled to. Savings may not apply everywhere.
Compare the Market for Auto Insurance
All the larger auto insurance companies provide prices on the web. The process is fairly straightforward as you just enter the coverage amounts you desire into a form. Once you submit the form, their rating system sends out for credit information and your driving record and returns a price quote based on these and other factors. This streamlines rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find better auto insurance pricing.
Compare rates the easy way
A more efficient way to lower your auto insurance bill utilizes a single form that gets prices from more than one company. It saves time, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it is quoted and you are able to buy any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you will know how your current rates stack up.
If you currently have coverage, we recommend you copy your coverages identical to your current policy. Doing this guarantees you will be getting rate quotes using the same coverage and limits.
Tailor your coverage to you
When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out if your insurance needs might need professional guidance.
- Should I drop comprehensive coverage on older vehicles?
- Does liability extend to a camper or trailer?
- What if I owe more than I can insure my car for?
- What exactly is covered by my policy?
- I have good health insurance, so how much medical payments coverage do I need?
- What vehicles should carry emergency assistance coverage?
- Can my babysitter drive my car?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent.
Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.
Collision coverage pays for damage to your Acadia from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
Auto liability insurance
Liability insurance protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability can pay for things like medical expenses, emergency aid, court costs, medical services and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as much as you can afford.
Comprehensive (Other than Collision)
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for hospital visits, X-ray expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your GMC Acadia.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Shop smart and save
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
You just learned some good ideas how you can lower your 2010 GMC Acadia insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the lesser-known companies. These companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.
More detailed insurance coverage information can be read by following these links:
Rates by U.S. City
|New York City, NY||$1,692|
|Los Angeles, CA||$1,830|
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||$67|
|5-yr Claim Free||$67|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.