2011 GMC Terrain Insurance Rates
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UPDATED: Mar 30, 2020
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Average insurance rates for a 2011 GMC Terrain are $1,064 a year for full coverage insurance. Comprehensive costs approximately $206 a year, collision insurance costs $328, and liability insurance costs $394. Buying a liability-only policy costs as little as $440 a year, and high-risk insurance costs around $2,296. Teen drivers receive the highest rates at up to $4,094 a year.
Annual premium for full coverage: $1,064
Rate estimates for 2011 GMC Terrain Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 GMC Terrain 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 range from as low as $440 for the bare minimum liability coverage to a high of $2,296 for a driver who has had serious violations or accidents.
These differences illustrate why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2011 GMC Terrain Insurance
Comparison shopping for car insurance is difficult for consumers not familiar with shopping for insurance online. Drivers have so many choices that it can be a ton of work to find lower rates.
You should make it a habit to get comparison quotes occasionally since insurance rates are constantly changing. If you had the lowest rates for Terrain insurance last year there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate the best way to find the best coverage while lowering your premiums.
If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. This article will instruct you on how to effectively get price quotes and some money-saving tips. Although drivers do need to learn the way insurance companies price insurance differently and take advantage of how the system works.
The quickest method we recommend to get rate comparisons takes advantage of the fact car insurance companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is provide a small amount of information such as an estimate of your credit level, whether you are single or married, the make and model of your vehicles, and if the car is leased. The rating information is instantly submitted to multiple top-rated companies and you should receive rate quotes quickly.
How to reduce 2011 GMC Terrain insurance rates
Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about in order for you to get them.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
- Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
- Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Terrain insurance than drivers with accidents.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
- College Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Driver’s Ed – Require your teen driver to take driver’s ed class in school.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
- Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
It’s important to understand that some of the credits will not apply the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will reduce your overall premium however.
To see a list of insurers with the best insurance coverage discounts, click here.
Tailor your coverage to you
When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
- Can I afford low physical damage deductibles?
- Can I afford to buy a different vehicle if my 2011 GMC Terrain is totaled?
- Is business equipment covered while in my vehicle?
- Does insurance cover tools stolen from my truck?
- Should I bundle my homeowners policy with my auto?
- Should I sign the liability waiver when renting a car?
- Why am I required to buy liability insurance?
- Are split liability limits better than a combined single limit?
- Am I covered if I hit a deer?
- What happens if I owe more than my 2011 GMC Terrain is worth?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.
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Insurance policy specifics
Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for bills for pain medications, surgery, hospital visits, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability car insurance
Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
This coverage pays for damage to your Terrain resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, sideswiping another vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Rates by U.S. City
|New York City, NY||$1,680|
|Los Angeles, CA||$1,821|
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||$72|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$44|
Discounts are estimated and may not be available from every company or in every state.