Who Has the Cheapest Insurance Quotes for a GMC Acadia in Tennessee?

Your odds of finding cheap coverage for a GMC Acadia in Tennessee hinges on many factors like whether the vehicle is new, if you have a coverage lapse, and any prior driving offenses. Drivers in Tennessee will pay around $1,030 a year to insure an Acadia, but that price is a ballpark figure using cost data for a 30-year-old single male driver that purchased full comprehensive and collision coverage and $100 deductibles.

More likely than not, you’re not a 30-year-old male, maybe you are married instead of single, or maybe your driving record has a blemish or two. There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap insurance rates for your GMC is to shop your policy around at every renewal. In just a few minutes you will be able to compare rates from some of the best insurers that offer coverage in Tennessee.

Save Now on Acadia Insurance

Vehicle trim level will most likely have an effect on the cost of insurance, so the price you will pay to insure a Acadia SL 2WD trim level will cost $154 less than the insurance cost for the higher-priced Acadia SLT AWD model, as shown in the chart below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in vehicle garaging location which can lower or raise prices significantly.

Buying coverage from a highly-rated auto insurance company can be a challenge considering how many companies are available to choose from in Tennessee. The rank data listed below could help you pick which providers to look at purchasing from.

The ratings below are only comprised of the largest companies in America, so companies that have a smaller presence are not taken into consideration for these rankings. To compare prices from these top-rated insurers and more, just click here.

Top 10 Major Auto Insurance Companies in Tennessee Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for GMC Acadia Insurance in Tennessee

Liability only or full coverage

Finding the cheapest insurance for a GMC Acadia in Tennessee is probably important to the majority of people, and one good way to pay less for insurance is to buy liability only. The example below shows the comparison of insurance rates when comparing full coverage to liability only. The rates are based on no accidents or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

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If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $1,615 per year over and above liability only. That is a big expense that brings up the question if it’s worth it to buy full coverage. There is no set rule of when to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Get discount Tennessee insurance

Auto insurance companies that offer the cheapest insurance for a GMC Acadia in Tennessee could also offer policy discounts that could lower prices by 25% or more if you meet specific eligibility requirements. A few popular companies and some of their more popular discounts are:

• GEICO offers discounts for emergency military deployment, seat belt use, military active duty, multi-policy, anti-theft, and good student.
• SAFECO policyholders can earn discounts including teen safety rewards, homeowner, drive less, accident prevention training, multi-car, bundle discounts, and anti-lock brakes.
• State Farm has discounts for multiple policy, multiple autos, anti-theft, accident-free, and good driver.
• MetLife offers premium reductions for defensive driver, accident-free, claim-free, good student, and good driver.
• 21st Century offers discounts including early bird, teen driver, good student, theft prevention, anti-lock brakes, and student driver.
• Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, online signing, and multi-policy.

The diagram below shows the difference between annual premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, marriage, claim-free, passive restraint, homeowner, and anti-theft discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a GMC Acadia is 28% or $543.

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How to get the cheapest insurance for a GMC Acadia in Tennessee

Below you’ll find some of the better money-saving ideas that can help drivers quote the cheapest coverage.

• Maintain a clean driving record
• Higher credit scores can equal lower rates
• Avoid accidents
• Raise deductibles to save money
• Vehicles with safetly features generally cost less to insure
• Shop around for cheaper prices

The last suggestion is highly vital, as was emphasized in the prior information. Insurance prices can change significantly in a year, so you should be ready to buy from a new company if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a good idea if that loyalty ends up costing big bucks every year. In just a couple of minutes you could shop around and find cheaper auto insurance for a GMC Acadia.

Who has the cheapest GMC Acadia insurance quotes?

Consumers have many ways to comparison shop for car insurance in Tennessee, but the most popular methods are from an exclusive agency like State Farm or Auto-Owners, an independent insurance agent, or from a direct company like Geico or Progressive.

You can use whichever you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent agents work for many companies and can provide price quotes from all of them. These agents are not locked into one company and can give you more rates, which can give you the best idea of how your rates compare. If cheaper coverage is found, they simply move the coverage in-house and you don’t have to switch agencies.

Exclusive agents are restricted to quoting rates for just one company such as Farmers Insurance or State Farm agents. They are unable to give you multiple price quotes, so if finding the cheapest coverage is your goal, you will need to shop around.

If you want to buy car insurance direct, you do not use the middleman (the agent) and instead shop from a direct company like Geico. Shopping for car insurance direct may be a decent choice families who do not need high levels of coverage and know how car insurance works and possible exclusions.

What is the best method to find the cheapest insurance for a GMC Acadia in Tennessee? The majority of people assume that buying from a direct car insurance company saves the most money since that eliminates agent commissions, but unfortunately, that is not always true. And we’d like to say an independent agency guarantees the cheapest rates due to having more companies to select from, but that assumption is also not accurate. And occasionally, exclusive agents have price quotes that are the lowest in Tennessee.

Since car insurance prices are based on many different factors, the guaranteed way to buy the cheapest coverage is to compare, compare, and compare some more. It’s a good idea to get price quotes from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.