Cheapest 2014 GMC Terrain Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Nobody likes having to buy car insurance, in particular when their premiums are too high. Having so many insurance companies to choose from, it can be hard to locate the best insurance company.
Save with discounts on 2014 GMC Terrain insurance
Car insurance is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Sign Online – Some insurance companies give back up to $50 just for signing your application digitally online.
- Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Terrain insurance than drivers with accidents.
- Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
- Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
- Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
Consumers should know that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.
To see a list of companies with discount auto insurance rates, click here.
Tailor your coverage to you
When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Can my teen drive my company car?
- What is covered by UM/UIM coverage?
- Is a fancy paint job covered?
- Does my medical payments coverage pay my health insurance deductible?
- Should I buy more coverage than the required minimum liability coverage?
- Exactly who is provided coverage by my policy?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
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Specific coverage details
Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.
Collision – This coverage will pay to fix damage to your Terrain resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, pain medications, surgery, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your GMC Terrain.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.
Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as a broken windshield, damage from flooding, rock chips in glass, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability coverage – This coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not 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 might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like legal defense fees, medical services and court costs. How much coverage you buy is a personal decision, but buy as much as you can afford.
Online plus local equals savings
As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Discount 2014 GMC Terrain insurance can be sourced online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.
Additional information can be read on the following sites:
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)
Frequently Asked Questions
How can I find the cheapest insurance for my 2014 GMC Terrain?
To find the cheapest insurance for your 2014 GMC Terrain, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Increase your deductibles: Opting for higher deductibles can lower your premium, but remember to choose a deductible you can comfortably afford in case of a claim.
- Bundle policies: If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your auto insurance for potential discounts.
- Maintain a clean driving record: Avoid traffic violations and accidents, as insurers generally offer lower rates to drivers with a clean driving history.
- Explore discounts: Inquire about any available discounts, such as safe driver discounts, multi-car discounts, or discounts for safety features like anti-theft systems or airbags.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs where your premium is determined by your driving habits. If you’re a safe driver, this could lead to reduced rates.
Are there specific factors that influence the cost of insurance for a 2014 GMC Terrain?
Yes, several factors can influence the cost of insurance for a 2014 GMC Terrain. These factors may include:
- Age and driving experience: Younger, inexperienced drivers often pay higher premiums.
- Location: Insurance rates can vary based on where you live due to factors such as traffic density, crime rates, and accident statistics in your area.
- Vehicle usage: How you use your vehicle, whether for personal or business purposes, can affect insurance rates.
- Annual mileage: Higher mileage generally leads to higher premiums since it increases the likelihood of accidents.
- Credit history: In some states, insurers may consider your credit history when determining your premium.
- Safety features: Vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft systems may qualify for discounts.
- Claims history: If you have a history of making claims, your premium may be higher.
Are there any specific insurance coverages recommended for a 2014 GMC Terrain?
While the specific insurance coverages you choose depend on your individual needs, it’s generally recommended to consider the following coverages for a 2014 GMC Terrain:
- Liability coverage: This coverage is typically required by law and helps protect you financially if you cause an accident that injures someone or damages their property.
- Collision coverage: This coverage helps pay for repairs or replacement if your GMC Terrain is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This coverage protects against non-collision incidents such as theft, vandalism, or damage from natural disasters.
- Uninsured/underinsured motorist coverage: This coverage can help cover expenses if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Medical payments coverage: This coverage helps pay for medical expenses if you or your passengers are injured in an accident, regardless of fault.
- Personal injury protection (PIP): Depending on your state, PIP coverage may be required. It provides broader medical and wage loss benefits than medical payments coverage.
Is it worth purchasing additional insurance coverage for a 2014 GMC Terrain?
The decision to purchase additional insurance coverage depends on your individual circumstances and risk tolerance. While liability coverage is typically required by law, the other coverages mentioned earlier are optional but can provide added financial protection. Consider factors such as the value of your vehicle, your driving habits, and your budget when deciding whether to invest in additional coverage.
Can the cost of insurance for a 2014 GMC Terrain vary between insurance companies?
Yes, the cost of insurance for a 2014 GMC Terrain can vary between insurance companies. Each insurance provider uses its own proprietary algorithms to calculate premiums, taking into account various factors. Additionally, insurers may offer different discounts and have varying approaches to risk assessment, resulting in different rates. It’s essential to compare quotes from multiple insurers to find the most affordable option for your specific needs.
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