Regrettably, nearly 70% of consumers have been with the same company for four years or more, and nearly the majority have never even shopped around for cheaper coverage. Arizona consumers can save hundreds of dollars each year by just comparing rate quotes, but they don’t understand how simple it is to compare rate quotes online.
If you want to save money, the best way to find low-cost prices for auto insurance rates in Tucson is to annually compare prices from different companies in Arizona.
First, spend some time learning about how companies set rates and the modifications you can make to drop your rates. Many policy risk factors that are responsible for high rates like tickets, at-fault accidents, and a poor credit score can be eliminated by making minor changes to your lifestyle.
Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide rate quotes from many different companies.
Third, compare the price quotes to the price on your current policy and see if you can save money. If you can save money and make a switch, ensure coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company to cancel the current policy and submit the completed application along with a down payment to the new company. As soon as you receive it, put the new proof of insurance paperwork in an easily accessible location.
A key point to remember is to use the same coverage limits and deductibles on each quote request and and to get price estimates from as many companies as feasibly possible. This ensures the most accurate price comparison and and a good selection of different prices.
If you have insurance now, you will definitely be able to get lower rates using these techniques. Locating the best rates in Tucson is not rocket science. Although Arizona consumers must comprehend the way companies determine what you pay and apply this information to your search.
The GMC Acadia Insurance Rate Equation
It’s important that you understand some of the factors that are used to determine auto insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that could result in cheaper rates. Multiple criteria are used when you quote your car insurance policy. Some are obvious such as your driving record, but some are less obvious like your continuous coverage or your financial responsibility.
Consolidate policies and save money – Most major auto insurance companies will give a discount for people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, drivers will still want to compare GMC Acadia rates in Tucson to make sure you are getting the best deal. Consumers may save even more by buying from different companies
Car features that lower premiums – Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.
Low stress vocation equals lower rates – Occupations like military personnel, business owners, and medical professionals have higher premium rates in part from intense work-related stress and incredibly demanding work hours. Conversely, jobs like scientists, students and performers generally pay rates lower than average.
Rates impacted by vehicle usage – The more miles you rack up on your GMC in a year the higher the price you pay to insure it. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Improper usage on your Acadia may be wasting your money. It’s always a good idea to double check that your auto insurance declarations sheet properly reflects how each vehicle is driven.
Why do you need liability coverage? – Your policy’s liability coverage will afford coverage if you are found liable for damages from an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Use credit responsibly and save – Having a good credit rating can be an important factor in calculating your premium rate. Insureds that have excellent credit scores tend to file fewer claims than those with lower ratings. If your credit rating is lower than you’d like, you could pay less to insure your GMC Acadia by repairing your credit.
Use but don’t abuse your insurance – If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies in Arizona give cheaper rates to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Better drivers pay better prices – Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better prices as compared to those with violations. Even a single chargeable violation can boost insurance rates forty percent or more. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
The diagram below illustrates how violations and accidents can drive up GMC Acadia insurance costs for different age groups. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Insurance loss data for a GMC Acadia – Insurance companies include the past claim trends for vehicles to help set a rate to offset losses. Models that tend to have higher losses will cost more for coverage.
The next table illustrates the loss history for GMC Acadia vehicles. For each type of coverage, the claim probability for all vehicles compiled together is represented as 100. Values that are below 100 represent a good loss history, while percentages above 100 point to more losses or tendency to have larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| GMC Acadia 4dr 2WD | 75 | 86 | 73 | 71 | 69 | 80 |
| GMC Acadia 4dr 4WD | 83 | 100 | 88 | 62 | 63 | 80 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Most of the larger companies allow consumers to get prices from their websites. Doing online price comparisons for GMC Acadia insurance in Tucson doesn’t take much effort as you simply type in the coverages you want as detailed in the form. Once you submit the form, the quote system gets credit information and your driving record and provides a quote determined by many factors. Getting online quotes for GMC Acadia insurance in Tucson makes comparing rates easy, and it is important to get many rate quotes in order to find affordable rates.
To find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended that you enter deductibles and limits exactly as they are listed on your policy. This way, you will have a price comparison using the exact same coverages.
The companies in the list below can provide free quotes in Arizona. To find cheaper auto insurance in Arizona, we recommend you get prices from several of them to get the best price comparison.
Rates and data analysis
The coverage information below covers detailed analysis of rate quotes for GMC Acadia models. Understanding more about how rate quotes are determined is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $224 | $382 | $300 | $18 | $90 | $1,014 | $85 |
| Acadia SL AWD | $258 | $382 | $300 | $18 | $90 | $1,048 | $87 |
| Acadia SLE 2WD | $258 | $382 | $300 | $18 | $90 | $1,048 | $87 |
| Acadia SLE AWD | $258 | $466 | $300 | $18 | $90 | $1,132 | $94 |
| Acadia SLT 2WD | $258 | $466 | $300 | $18 | $90 | $1,132 | $94 |
| Acadia SLT AWD | $292 | $466 | $300 | $18 | $90 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in vehicle garaging location which can decrease or increase coverage rates greatly.
Deductible analysis
A question often asked by Tucson drivers is where to set your physical damage deductibles. The premium rates below sum up the premium difference between high and low comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Acadia SL AWD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Acadia SLE 2WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Acadia SLE AWD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Acadia SLT 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Acadia SLT AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $124 | $202 | $300 | $18 | $90 | $734 | $61 |
| Acadia SL AWD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Acadia SLE 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Acadia SLE AWD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Acadia SLT 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Acadia SLT AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in garaging location in Tucson which can raise or lower auto insurance rates considerably.
Based on these figures, using a $100 deductible costs roughly $28 more each month or $336 annually than requesting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 32 months between claim filings, you would save money going with the higher deductible.
The chart below illustrates how your choice of deductibles and can change GMC Acadia premium costs for different ages of insureds. The prices are based on a married male driver, full coverage, and no discounts are applied.
Car insurance in Arizona serves several purposes
Even though it’s not necessarily cheap to insure a GMC in Tucson, maintaining insurance is mandatory in Arizona but it also protects more than you think.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Acadia with a loan, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your GMC for a much higher rate and force you to pay much more than you were paying before.
Third, car insurance protects both your vehicle and your personal assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your Acadia more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $830 a year so you should quote and compare rates at least once a year to be sure current rates are still competitive.
Insurance policy discounts you can’t miss
Car insurance can cost a lot, but there could be available discounts that may help make it more affordable. A few discounts will be applied at the time you complete a quote, but a few must be specially asked for before you will receive the discount.
- Online Discount – Some of the larger companies will discount your bill up to fifty bucks for completing your application over the internet.
- Government Employees – Active or retired federal employment could provide a small rate reduction with select insurance companies.
- Pay Now and Pay Less – By making one initial payment instead of making monthly payments you could save 5% or more.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
- Multiple Policy Discount – If you combine your homeowners and auto policies with the same insurance company you could save at least 10 to 15 percent or more.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
- Telematics Devices – People who choose to allow their insurance company to scrutinize driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if their driving habits are good.
- Accident Waiver – This one is not really a discount per se, but companies like Liberty Mutual, GEICO and Allstate permit an accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.
The information below compares GMC Acadia car insurance costs with and without policy discounts. The premiums assume a male driver, no claims or violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, marriage, and multi-policy discounts applied.
A few of the larger companies and a selection of discounts are shown below.
- GEICO may include discounts for anti-lock brakes, military active duty, multi-vehicle, multi-policy, emergency military deployment, and federal employee.
- Auto-Owners Insurance offers discounts for student away at school, multiple vehicles, company car, mature driver, anti-lock brakes, air bags, and paperless.
- American Family offers discounts including early bird, defensive driver, multi-vehicle, accident-free, and bundled insurance.
- Esurance has discounts for multi-policy, anti-lock brakes, good driver, good student, safety device, and renters.
- Progressive policyholders can earn discounts including homeowner, multi-policy, good student, continuous coverage, online signing, multi-vehicle, and online quote discount.
- State Farm includes discounts for anti-theft, Drive Safe & Save, safe vehicle, driver’s education, student away at school, and defensive driving training.
- AAA has savings for multi-car, multi-policy, anti-theft, good driver, education and occupation, pay-in-full, and AAA membership discount.
If you need lower rates, check with all the companies to apply every possible discount. All car insurance discounts may not be available in your state. For a list of insurers that offer the discounts shown above in Tucson, click this link.
Auto insurance agents near you
Some people prefer to go talk to an agent and that is recommended in a lot of cases An additional benefit of price shopping on the web is the fact that you can find cheap car insurance rates but still work with a licensed agent. And providing support for small agencies is important particularly in Tucson.
Upon completion of this simple form, your insurance coverage information is transmitted to local insurance agents in Tucson that provide free Tucson auto insurance quotes for your business. You never need to drive around due to the fact that quote results will go immediately to you. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to compare prices from a particular provider, you can always jump over to their website and give them your coverage information.
Picking an provider requires you to look at more than just a cheap price. Before buying a policy in Tucson, get answers to these questions.
- Do they offer accident forgiveness?
- Is the quote a firm price?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which company do they place the most coverage with?
- Do they have a Better Business Bureau rating in Tucson?
Best auto insurance company in Arizona
Buying coverage from the best insurance company can be challenging considering how many choices there are in Tucson. The company rank data in the next section can help you pick which insurers you want to consider buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When to get professional advice
When it comes to adequate coverage for your vehicles, there really isn’t a best way to insure your cars. Your situation is unique.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.
- Does insurance cover tools stolen from my truck?
- Why am I required to buy high-risk coverage?
- What discounts do I qualify for?
- Am I insured when driving a different vehicle?
- Which companies will insure high-risk drivers?
- Should I pay a claim out-of-pocket?
- Is there a penalty for late payment?
- Is a fancy paint job covered?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
In the end, you can save money
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.
Cheaper GMC Acadia insurance in Tucson can be found both online and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer online quoting and most of the time these small insurance companies only sell coverage through local independent agencies.
We just covered some good ideas how you can reduce GMC Acadia insurance premium rates online in Tucson. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding affordable GMC Acadia insurance quotes. You may even discover the lowest premium rates are with an unexpected company.
Other learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Tucson Car Insurance Rates for Government Employees? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with Accidents in Tucson? (FAQ)
- How Much is Tucson Auto Insurance for a Honda Civic? (FAQ)
- Who Has Affordable Auto Insurance Rates for a GMC Sierra in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance Quotes for a Toyota Corolla? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance for Lyft Drivers? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)