Cheap Insurance for a GMC Acadia in Louisiana

Our editors keep telling us that when writing about car insurance, the words cheap or affordable should not appear anywhere to describe car insurance prices. It’s just a fact that cheap auto insurance for a GMC Acadia can seem impossible to find. Don’t get your dauber down, because we will tell you how you can find and buy auto insurance that doesn’t cost an arm and a leg.

Your ability to find affordable car insurance for a GMC Acadia in Louisiana is contingent on a complex formula that considers things such as age of the vehicle, the condition of your credit, and your policy deductibles. Louisiana drivers pay an average of $1,320 each year to insure a GMC Acadia, but that rate is using rate data for a 30-year-old married male driver who requires full coverage including both comprehensive and collision and $250 physical damage deductibles.

When making auto insurance estimates, the issue arises that you may not be 30 years old (or even male), you might be single instead of married, or maybe you have a couple of speeding tickets. Having different needs demonstrates why the most reliable method for finding the most affordable coverage for your GMC is to shop around at every renewal for lower rates.

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The trim level of your Acadia will influence the insurance rate, so the price you will pay to insure a Acadia SL 2WD trim level will be $200 less than the insurance cost for the more expensive Acadia SLT AWD trim level, as shown below.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can influence price quotes considerably.

Buying coverage from a good quality insurance provider is difficult considering how many companies provide coverage in Louisiana. The company rank data shown below can help you select which coverage providers you want to consider buying from.

These ratings only include the largest auto insurers in America, so companies that focus mainly on Louisiana business are not included in the list. To get price quotes from the insurers below and more, simply click here.

Get discount Louisiana auto insurance

Insurers that provide cheap insurance for a GMC Acadia in Louisiana may provide price discounts that can reduce rates by as much as 30% if you are eligible. Large insurance companies and their possible discounts are shown below.

• The Hartford has discounts for good student, driver training, air bag, bundle, and anti-theft.
• American Family discounts include bundled insurance, good driver, defensive driver, early bird, Steer into Savings, and multi-vehicle.
• Progressive may include discounts for good student, multi-vehicle, continuous coverage, homeowner, multi-policy, and online quote discount.
• Travelers offers discounts for good student, new car, hybrid/electric vehicle, home ownership, student away at school, driver training, and IntelliDrive.
• Farmers Insurance may offer discounts for pay in full, good student, alternative fuel, business and professional, youthful driver, and multi-car.
• USAA has savings for defensive driver, safe driver, multi-vehicle, new vehicle, and driver training.
• Liberty Mutual offers discounts including multi-policy, safety features, good student, new vehicle discount, newly married, teen driver discount, and hybrid vehicle.

The illustration below illustrates the difference between insurance premiums with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Louisiana state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, anti-theft, passive restraint, accident-free, marriage, and safe-driver discounts applied. When discounts are factored in, the average savings per year on insurance for a GMC Acadia is 28% or $664.

The information below illustrates how your deductible choice can change insurance prices when trying to find cheap insurance for a GMC Acadia. The rate quotes are based on a married male driver, comp and collision included, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower rates by $376 a year by changing from a $100 deductible to a $500 deductible, or save $570 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could lower their rates up to $1,118 or even more by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be important to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Geico, Allstate, State Farm, and Progressive compared

If you want the best insurance for an Acadia, four of the best places to start are Geico, Allstate, State Farm, and Progressive. When combined, they make up almost 50% of all policies written. The table below compares some of the different features that are available from each company.