No sane person looks forward to paying premiums for insurance, especially when they are paying too much.

Insurance for GMC AcadiaAstonishing but true, the vast majority of consumers have remained with the same insurance company for four years or more, and virtually 40% of consumers have never compared rates from other carriers. South Carolina insurance shoppers could save themselves approximately 55% a year, but they don't believe how much savings they would realize if they switched.

There are many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to find the lowest rates for GMC Acadia insurance in Columbia.

Consumers need to get comparison quotes on a regular basis due to the fact that insurance prices change frequently. If you had the best rates on GMC Acadia insurance in Columbia at your last renewal there may be better deals available now. Ignore everything you know about insurance because you're about to find out one of the easiest ways to buy cheaper GMC Acadia insurance in Columbia.

Locating the best rates in Columbia is really not that difficult. If you have coverage now, you will most likely be able to lower your rates using the ideas covered in this article. But South Carolina consumers do need to understand the methods companies use to determine premium rates because rates fluctuate considerably.

You Can Change Your Insurance Costs

A large part of saving on auto insurance is knowing the different types of things that go into determining the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates.

The factors shown below are some of the things used by companies to determine your rates.

The are a couple different ways to obtain and compare prices from many different South Carolina insurance companies. The best method to comparison shop is to jump online and get quotes.

It's so fast and easy to compare quotes online that it replaces the need to actually drive to insurance agencies in your area. The ability to quote GMC Acadia insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. If you prefer, some companies allow you to price shop your coverage online but purchase the actual policy in an agency. Keep in mind that comparing more rates from different companies provides better odds of finding more affordable insurance. Not every company allows you to get rate quotes online, so it's important to compare rates on coverage from those companies, too.

The providers in the list below are ready to provide price quotes in Columbia, SC. If several companies are displayed, it's a good idea that you visit as many as you can in order to find the most competitive rates.

GMC Acadia Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $220 $428 $358 $22 $108 $1,136 $95
Acadia SL AWD $206 $332 $444 $26 $132 $1,140 $95
Acadia SLE 2WD $186 $230 $448 $26 $134 $1,024 $85
Acadia SLE AWD $196 $330 $352 $20 $106 $1,004 $84
Acadia SLT 2WD $240 $408 $352 $20 $106 $1,126 $94
Acadia SLT AWD $368 $652 $460 $28 $138 $1,646 $137
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in vehicle location which can raise or lower coverage rates greatly.

Raise deductibles and save

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following tables may help you to understand how much more you'll pay when you buy lower versus higher coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

GMC Acadia insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $256 $436 $342 $20 $102 $1,181 $98
Acadia SL AWD $294 $436 $342 $20 $102 $1,219 $102
Acadia SLE 2WD $294 $436 $342 $20 $102 $1,219 $102
Acadia SLE AWD $294 $530 $342 $20 $102 $1,313 $109
Acadia SLT 2WD $294 $530 $342 $20 $102 $1,313 $109
Acadia SLT AWD $332 $530 $342 $20 $102 $1,351 $113
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GMC Acadia insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $186 $294 $342 $20 $102 $944 $79
Acadia SL AWD $214 $294 $342 $20 $102 $972 $81
Acadia SLE 2WD $214 $294 $342 $20 $102 $972 $81
Acadia SLE AWD $214 $358 $342 $20 $102 $1,036 $86
Acadia SLT 2WD $214 $358 $342 $20 $102 $1,036 $86
Acadia SLT AWD $242 $358 $342 $20 $102 $1,064 $89
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can affect coverage rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs about $22 more each month or $264 for a full year than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 18 months between claims, you would most likely save money if you decide on a higher deductible. Here's how this determination is made.

Average monthly premium for $100 deductibles: $106
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that increasing deductibles to save money means you will have to pay more of your own money when you have to file a claim. It will be required that you have enough extra money in the event you have to pay more for the deductible.

Misconceptions in auto insurance advertisements

Auto insurance providers like 21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. All the ads try to convey promises about how much you will save just by moving your policy. How does every company charge you a lower premium? It's all in how they say it.

Companies quote their cheapest rates for the type of driver that is profitable for them. One example of this type of insured could possibly be over the age of 50, has a clean driving record, and drives a safe vehicle. Any person that meets those criteria will probably get cheap rates and will save quite a bit of money when switching.

Consumers who fall outside this ideal profile will have to pay more expensive rates with the end result being the customer buying from a different company. Company advertisements say "drivers that switch" not "all people who quote" save that kind of money. That's the way insurance companies can make it sound like they have such great car insurance rates. This illustrates why you really need to get a wide range of price quotes. You cannot predict which insurance companies will have the best rates for your profile.

Auto insurance protects more than just your car

Despite the high cost of buying insurance for a GMC Acadia in Columbia, insuring your vehicle is a good idea for several reasons.

The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. An average driver in America is overpaying more than $865 each year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

Score discounts on Columbia insurance

Some companies don't always advertise the complete list of policy discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts that may be available.Insurance discounts

As is typical with insurance, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, insurance companies aren't that generous. Any qualifying discounts will cut the premium cost.

To view insurance companies who offer discounts in South Carolina, click here to view.

Buying from insurance agents

Some people still like to buy from a local agent and that can be a great decision One of the benefits of comparing rate quotes online is that you can obtain the best rates but also keep your business local.

Find insurance agent in ColumbiaOnce you complete this short form, your information is sent to agents in your area that can provide free Columbia auto insurance quotes for your insurance coverage. You won't even need to contact an agency since price quotes are sent immediately to your email address. You'll get the best rates without the usual hassles of price shopping. If you have a need to compare prices from a particular provider, feel free to visit that company's website and submit a quote form there.

Finding the right company requires more thought than just a low price. Get answers to these questions too.

When researching a reliable insurance agency, you need to know there are two different agency structures and how they can quote your rates. Auto insurance agents can be classified as either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to place coverage with different providers so it's a take it or leave it situation. These agents are well trained on their company's products and that enables them to sell even at higher rates.

The following are Columbia exclusive insurance agencies who may provide you with comparison quotes.

4429 Broad River Rd - Columbia, SC 29210 - (803) 798-5377 - View Map

452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map

Ste A16, 7001 St Andrews Rd - Columbia, SC 29212 - (803) 732-3800 - View Map

More Columbia agents

Independent Agents

Agents in the independent channel often have affiliation with several companies and that allows them to write policies through many companies and find the cheapest rate. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured. When shopping rates, it's recommended you get quotes from a few independent agents so that you can do a thorough price comparison.

Listed below are Columbia independent insurance agencies who can help you get price quotes.

1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map

100 9th St - West Columbia, SC 29169 - (803) 791-1120 - View Map

4700 Forest Dr - Columbia, SC 29206 - (803) 451-0076 - View Map

More Columbia agents

Your insurance coverage should be tailored to you

When it comes to your policy for your vehicles, there really is not a best way to insure your cars. Every insured's situation is different and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that can aid in determining if your situation may require specific advice.

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Do the work, save more money

We've covered a lot of ways to shop for GMC Acadia insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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