Buying the cheapest auto insurance for a GMC Acadia in Arizona relies on a complicated rating formula that uses factors such as how far you commute, where you live, and driving violations. Arizona drivers pay around $581 per year to insure their Acadia, but that amount is an estimation based upon a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you aren’t exactly 50 years old or even a female, single instead of married, or maybe you want more liability coverage than is required by law in Arizona. Having even a minor difference in the rating criteria used to formulate rates may result in a big change in the price of coverage.
Not every driver requires the same auto insurance coverages, so the way we recommend to find the cheapest rates for your GMC is to just take the time to compare rates yourself.
The specific trim level tends to have a direct impact on the annual cost of coverage, so the cost to insure a Acadia SL 2WD will be $64 less than the cost to insure the higher-end Acadia SLT AWD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$96||$168||$282||$16||$84||$646||$54|
|Acadia SL AWD||$110||$168||$282||$16||$84||$660||$55|
|Acadia SLE 2WD||$110||$168||$282||$16||$84||$660||$55|
|Acadia SLE AWD||$110||$204||$282||$16||$84||$696||$58|
|Acadia SLT 2WD||$110||$204||$282||$16||$84||$696||$58|
|Acadia SLT AWD||$124||$204||$282||$16||$84||$710||$59|
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in Tucson location which can raise or lower auto insurance rates considerably.
Establishing which insurers offer the cheapest auto insurance rates for a GMC Acadia calls for more time than just picking a company at random. Every car insurance company uses their own formula to set policy rates, so let’s rank the lowest cost auto insurance companies in Tucson.
It’s a good idea to be aware that Arizona auto insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Turning one year older, having a claim, or getting a ticket for careless driving can trigger changes in premium that can cause some rates to be cheaper than competitors.
Lowest Insurance Price Quotes for Your Acadia
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford may have some of the cheapest car insurance rates in Tucson at around $811 a year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Tucson, AZ auto insurance companies.
In this example, if you currently have coverage with Auto-Owners and switched to The Hartford, you might see an annual savings of in the vicinity of $104. Policyholders with Travelers might save as much as $275 a year, and USAA policyholders might reduce prices by as much as $280 a year.
To see if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.
These estimates are averaged for all insureds and vehicles and do not take into consideration a specific location for a GMC Acadia. So the car insurance company that has the lowest price for you may not even be in the top 28 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
How to get discounts on Tucson insurance rates
Car insurance companies that offer cheap quotes for a GMC Acadia may also provide price discounts that may potentially lower prices by 40% or more if you meet certain criteria. A few of the larger companies and a partial list of their discounts include:
- State Farm has savings for multiple policy, defensive driving training, driver’s education, Steer Clear safe driver discount, and good student.
- American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, defensive driver, TimeAway discount, bundled insurance, and accident-free.
- AAA includes discounts for anti-theft, good student, education and occupation, multi-policy, and AAA membership discount.
- GEICO offers discounts for daytime running lights, military active duty, multi-policy, membership and employees, seat belt use, federal employee, and five-year accident-free.
- Mercury Insurance discounts include professional/association, type of vehicle, ease of repair, annual mileage, anti-theft, and good student.
- Farmers Insurance may have discounts that include early shopping, good student, alternative fuel, pay in full, multi-car, and business and professional.
- Progressive has discounts for continuous coverage, good student, online signing, multi-policy, multi-vehicle, online quote discount, and homeowner.
The example below shows the difference between car insurance rates with and without policy discounts. The premium estimates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, passive restraint, multiple vehicle, homeowner, accident-free, and marriage discounts applied. With discounts applied, the average savings per year on auto insurance for a GMC Acadia is 28% or $387.
The importance of shopping around
Arizona auto insurance rates are determined by lots of factors that control the price you pay. Improving your credit rating, moving across town, or getting a DUI may generate price changes that can cause some rates to be much cheaper than others.
In addition, insurance companies change prices every year to reflect underwriting profits or losses. Unexpectedly high claims can cause rate hikes, while less frequent claims may cause cheaper Acadia insurance rates.
For example, the data below shows the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and excellent credit. Based on his personal profile, The Hartford quotes the most affordable car insurance rates in Tucson at $1,011 each year. This is $417 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the cheapest Tucson, AZ auto insurance companies.
In this example, we will give the driver from the above example a chargeable claim, slightly worse credit, and a blemish on his driving record. Due to the fact that every auto insurer has a proprietary formula for establishing rates, analyzing rates could result in a different set of cheap Tucson auto insurance companies as shown below.
Progressive now has the lowest car insurance rate in Tucson with CSAA, Ameriprise Group, Auto-Owners, and Allied completing the list. This example shows why it is critical to take the time to shop around to get the cheapest car insurance quotes for a GMC Acadia.
Rates are determined by many different factors and change dramatically, so the most economical option a year ago may now be quite expensive.
How to find cheaper auto insurance for a GMC Acadia
The list below details a few thrifty solutions that can help Tucson drivers get lower-cost auto insurance.
- Do not get traffic citations
- Prevent price hikes by avoiding at-fault accidents
- Buy vehicles with five-star safety ratings
- Increase your policy deductibles
- Clean up your credit rating
- Compare quotes from other companies often
The last item on the list is particularly critical, as we noted in this article. Insurance prices in Tucson can change considerably based on profitability, so don’t be afraid to switch companies if you can find a cheaper rate. Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty ends up costing thousands of dollars over the life of your policy. Now is a great time to shop around and find cheaper car insurance for a GMC Acadia.
The insurance agencies listed below are a good start to provide answers to your questions and help you determine which is the best policy, as some drivers have questions and prefer to have some advice when shopping around for cheaper insurance for an Acadia. It’s not always easy to find the best rates on your own, so insurance agents can add satisfaction knowing your coverage gives you decent coverage if you have a claim. To locate an agency close to where you live, click the button following the list or click here to compare price quotes now.
- Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900
- American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100