Cheapest 2017 GMC Terrain Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Baffled by the number of auto insurance choices in your area? Many other drivers are as well. Consumers have so many choices available that it can easily become a burden to locate the lowest prices.

Lower-cost insurance coverage rates with discounts

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find discounts that you can inquire about if you buy car insurance online.

  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Professional Memberships – Joining certain professional organizations could qualify you for a break on insurance coverage.
  • Online Discount – Some of the larger companies may give you up to $50 just for signing your application online.
  • Multi-car Discount – Insuring multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Policy Bundle Discount – If you can combine your home and auto policy with the same company you may save approximately 10% to 15%.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on Terrain insurance with certain companies.

Please keep in mind that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free insurance coverage policy, it’s just not the way it works. But any discount will positively reduce the amount you have to pay.

Large insurance coverage companies and some of the premium reductions they offer are included below.

  • Farmers Insurance discounts include pay in full, bundle discounts, homeowner, alternative fuel, early shopping, mature driver, and multi-car.
  • State Farm may have discounts that include accident-free, multiple autos, Drive Safe & Save, passive restraint, student away at school, good student, and defensive driving training.
  • Liberty Mutual offers discounts for new graduate, safety features, exclusive group savings, newly married, multi-policy, multi-car, and new move discount.
  • MetLife offers premium reductions for good driver, defensive driver, multi-policy, good student, and claim-free.
  • Progressive may offer discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, good student, and online signing.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Some discounts may not be available in every state. If you would like to view companies who offer free insurance coverage quotes, click here to view.

Slick advertising tricks that work

Companies like State Farm, GEICO and Progressive seem to constantly run television, radio, and online ads. All the ads make the same claim that people will save just by moving your policy. How can each company give you a lower rate? It’s all in the words they use.

Insurance companies have specific criteria for the type of customer that will not have excessive claims. An example of a profitable risk profile may need to be between the ages of 30 and 45, has no claims, and drives a vehicle with a low ISO rating. A customer who matches that profile is entitled to the best price as well as pay quite a bit less when switching companies.

Drivers who fall short of those criteria will have to pay more expensive rates which results in the customer buying from a different company. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can claim big savings. This really emphasizes why you absolutely need to get price quotes at each policy renewal. It’s impossible to know which insurance companies will have the best premium rates at this point in time.

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Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out if your situation might need an agent’s assistance.

  • What discounts do I qualify for?
  • Can I rent a car in Mexico?
  • Can I afford low physical damage deductibles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How much liability do I need to cover my assets?
  • When would I need additional glass coverage?
  • Should I have a commercial auto policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your GMC Terrain.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, hitting a bird, falling objects and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.


This can cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like pain and suffering, court costs, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like hospital visits, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Get your money’s worth

We just showed you some good ideas how to save on 2017 GMC Terrain insurance. The key concept to understand is the more you quote car insurance, the better likelihood of getting low cost car insurance. Consumers could even find that the most savings is with the least-expected company.

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. In many cases, an accident victim reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost.

Cheap 2017 GMC Terrain insurance can be found on the web and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer price quotes online and many times these regional insurance providers prefer to sell through independent insurance agencies.

To read more, take a look at the articles below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the cost of insurance for a 2017 GMC Terrain?

Several factors influence the cost of insurance for a 2017 GMC Terrain, including the driver’s age, driving history, location, coverage levels, deductible amount, and the insurance company’s rates and policies. Additionally, the Terrain’s model, year, trim level, engine size, and safety features may also impact insurance costs.

Are there any discounts available to reduce the insurance cost for a 2017 GMC Terrain?

Yes, various discounts can help lower the insurance cost for a 2017 GMC Terrain. Common discounts include good driver discounts, multi-policy discounts (bundling car insurance with other policies), safety feature discounts, low mileage discounts, and discounts for completing defensive driving courses.

How can a driver lower the insurance cost for their 2017 GMC Terrain?

Drivers can employ several strategies to reduce the insurance cost for a 2017 GMC Terrain. These include maintaining a clean driving record, increasing deductibles, bundling policies, installing anti-theft devices, taking advantage of available discounts, and comparing insurance quotes to find the most competitive rates.

Does the 2017 GMC Terrain’s trim level affect insurance costs?

Yes, the trim level of a 2017 GMC Terrain can impact insurance costs. Higher-end trim levels with additional features may have higher insurance premiums due to the increased cost of repairs or replacements in the event of an accident.

Can the location where a driver lives affect the insurance cost for a 2017 GMC Terrain?

Yes, the driver’s location can influence the insurance cost for a 2017 GMC Terrain. Areas with higher rates of accidents, theft, or vandalism tend to have higher insurance premiums. Similarly, densely populated urban areas may have higher rates compared to rural or suburban locations.

Can the 2017 GMC Terrain’s safety features contribute to lower insurance costs?

Yes, the presence of safety features in a 2017 GMC Terrain can potentially lower insurance costs. Vehicles equipped with features like anti-lock brakes, airbags, stability control, and advanced safety systems may qualify for discounts as they are considered safer and can reduce the likelihood of accidents or injuries.

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