Who Has the Cheapest Insurance for a GMC Acadia in Connecticut?

Our editors always tell us that when writing about auto insurance, the word cheap should not appear anywhere in the article to describe car insurance prices. Notwithstanding, cheap car insurance for a GMC Acadia can seem impossible to find. But don’t let us ruin your dream, because we are going to show you some ways you can still get auto insurance that is considered budget-friendly.

Your chances of buying cheap insurance for a GMC Acadia in Connecticut depends on a complicated equation that takes into consideration things like your date of birth, what you do for a living, and driving violations and tickets. Connecticut drivers pay around $990 each year to insure an Acadia, but that cost is a valuation calculated using a 40-year-old single male driver that includes both comprehensive and collision coverage and $500 physical damage deductibles.

Chances are good that you aren’t exactly 40 years old or even a male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Auto insurance is unique to every driver, so the most reliable method for finding the cheapest coverage for your GMC is to shop your policy around every couple of years. It takes less than five minutes and you can get rates from the cheapest companies available.

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Your vehicle’s trim level will be a contributing factor to the yearly cost, so the rate you pay to insure a Acadia SL 2WD trim level will be $130 cheaper than the cost to insure the higher-priced Acadia SLT AWD version, as shown in the prices below.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can revise auto insurance rates considerably.

Finding reliable, cheap car insurance is challenging, and determining which company quotes the cheapest car insurance rates for a GMC Acadia requires even more rate comparisons. Each company uses their own formula to determine rates, so first we will examine the car insurance companies that tend to be cheaper in Connecticut.

We do need to point out that Connecticut car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. Things like having a birthday, becoming a homeowner, or getting a speeding ticket may generate price changes resulting in some companies being higher when they were quite affordable.

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Utica National may offer some of the cheapest car insurance rates in Connecticut at around $1,005 a year. Travelers, Amica, USAA, and Nationwide also rank well as some of the lowest-priced Connecticut insurance companies.

As shown in the table above, if you currently buy coverage from Travelers and switched to Utica National, you could earn a yearly price reduction of upwards of $132. Policyholders with Amica may save as much as $252 a year, and USAA customers might realize rate reductions of up to $266 a year.

Be aware that those rates are averaged for all insureds and vehicles and and are not figured with a specific rating modification for a GMC Acadia. So the company that can offer the best rates for your situation may not even be shown in the list of companies above. That is why you need to get rate quotes using your own driver and vehicle profiles.

Discount Connecticut auto insurance rates

Car insurance companies that provide the cheapest insurance for a GMC Acadia in Connecticut could also offer price discounts that could potentially reduce rates by as much as 40% or more if you qualify. Popular car insurance companies and a partial list of their discounts are detailed below.

• AAA may offer discounts for good driver, education and occupation, multi-policy, pay-in-full, multi-car, good student, and AAA membership discount.
• Progressive has discounts for multi-policy, online quote discount, continuous coverage, homeowner, multi-vehicle, good student, and online signing.
• State Farm policyholders can earn discounts including multiple policy, good driver, passive restraint, student away at school, and Drive Safe & Save.
• Esurance may include discounts for safety device, good driver, Pac-12 alumni, claim free, and defensive driver.
• Nationwide includes discounts for multi-policy, accident-free, anti-theft, Farm Bureau membership, good student, and family plan.

The illustration below illustrates the comparison of auto insurance costs with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Connecticut state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, claim-free, accident-free, marriage, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a GMC Acadia is 28% or $524.

You may be paying too much for Acadia insurance

Connecticut car insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay. Getting older, buying a new vehicle, or getting into an accident can trigger price changes that can now make some companies affordable when they were higher priced. In addition to those changes, insurance companies change rates every year in order to remain profitable. An extended period of higher than normal claims can cause more expensive premiums, while lower claim expenses may cause cheaper Acadia insurance rates.

To illustrate this example, the data below shows the companies that have the cheapest car insurance in Connecticut for a 40-year-old female driver with no violations or accidents, and a good credit rating. If we estimate rates based on her current situation, Utica National might offer the lowest car insurance rates in Connecticut at $965 annually. This is $1,023 less than the average policy premium paid by Connecticut drivers of $1,988. Travelers, USAA, Amica, and Nationwide are also included in the top five cheapest Connecticut auto insurance companies.

Now we will pretend the driver in the first chart a chargeable accident, a lower credit rating, and a traffic citation. Due to the fact that each insurance company has a unique formula for filing rates in each state, analyzing rates may now present a significantly different list of affordable Connecticut car insurance companies as shown below.

General Casualty now has the best price in Connecticut with State Farm, MetLife, USAA, and California Casualty completing the list. This demonstrates why it is so important to do a thorough rate comparison when trying to get cheap auto insurance quotes for a GMC Acadia.

Auto insurance prices are made up of many different factors and can change without notice, so the most economical option the last time you checked may now be wasting a lot of money.

Who has the cheapest GMC Acadia insurance quotes?

Thanks to the internet, there are a lot of ways to find cheap car insurance in Connecticut, but the three most common methods are through an independent agent, a captive (or exclusive) agency such as State Farm or Liberty Mutual, or from a direct company like Progressive. They all have the same end result, but each is slightly different in how they work.

Independent insurance agents can place your business with multiple companies and can do rate comparisons with every one. Agents of this type can quote with many companies and get prices from more than one company, which may provide you with improved odds of finding cheaper coverage. If cheaper coverage is found, it’s simple to move the policy without having to get a different agent.

An agent who is captive is usually restricted to one insurance company, two of the more popular are an Auto-Owners or Allstate agent. These agents are not able to quote prices from more than just one company, so smart shoppers will want to get additional comparison quotes.

The last way is buying direct, which means you bypass either of the other two types of agents and instead buy direct either online or via phone. Buying direct is good for drivers who have lower risk management needs and understand what specific coverages and deductibles they need.

Which method works best to find the cheapest insurance for a GMC Acadia in Connecticut? The obvious answer would be shopping direct saves the most money because there is no agent involved, but in reality, that is not the case. A good argument could also be made that an independent agent is the best way to go due to increased selection, but that assumption is not true either. In some circumstances, exclusive agents may have very competitive prices that other companies cannot beat.

Since car insurance prices vary so much, really the best method to get rock-bottom rates is to get as many comparison quotes as possible. If time allows, get quotes from all three types to have the best selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.

How to find low-cost insurance for a GMC Acadia

It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Connecticut drivers buy lower-cost coverage.

• Increase your comprehensive and collision deductibles
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Safe vehicles cost less to insure
• Save money by insuring older vehicles for liability only
• Staying accident-free helps keep rates low
• Higher credit scores may earn you cheaper rates
• Check for cheaper rates once a year

The last idea is certainly vital, as was emphasized in the article above. Coverage rates change frequently, so don’t be hesitant to buy a different policy if you can find a cheaper rate.

Having a favorite company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars a year. It only take a few minutes to compare rates and find cheaper car insurance for a GMC Acadia.