Finding the cheapest insurance for a new or used GMC Acadia in Texas can be a painful process, but you can use a few tricks and make it easy. There is a better way to find insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used GMC and locate the lowest possible price from San Antonio insurance agents and online providers.
It is always a good idea to get comparison quotes occasionally because insurance prices change quite often. Even if you got the lowest price on GMC Acadia insurance in San Antonio last year there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to quote online to buy cheaper GMC Acadia insurance in San Antonio.
If you already have coverage or are looking for a new policy, use these money-saving tips to find better prices without sacrificing coverage. Comparing quotes for more affordable car insurance policy in San Antonio is not as time-consuming as you think. Comparison shoppers just have to learn the most efficient way to compare rates from many different companies.
Most of the larger companies such as 21st Century, Allstate and State Farm give insurance quotes on their websites. Comparing prices online for GMC Acadia insurance in San Antonio doesn’t take much effort because it’s just a matter of typing in your coverage preferences into the form. Behind the scenes, the company’s rating system collects information on your driving record and credit history and quotes a price based on many factors.
Being able to quote online for GMC Acadia insurance in San Antonio simplifies rate comparisons, and it is imperative to perform this step if you are searching for the most affordable insurance rates.
In order to find out what other companies charge, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the coverages exactly as they are listed on your policy. This ensures you will have an apples-to-apples comparison for the exact same coverage.
The following companies offer comparison quotes in San Antonio, TX. If several companies are displayed, it’s highly recommended you visit two to three different companies to find the most affordable car insurance rates.
Insurance in Texas serves several purposes
Despite the fact that insurance is not cheap in San Antonio, paying for insurance is not optional due to several reasons.
- Most states have minimum liability requirements which means the state requires a specific minimum amount of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will force you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your GMC for a lot more money and require you to fork over for it.
- Insurance protects not only your GMC Acadia but also your financial assets. It will also cover most medical and hospital costs that are the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. But the average American driver overpays more than $830 a year so shop around each time the policy renews to save money.
Detailed insurance information
The price information shown below covers a range of insurance costs for GMC Acadia models. Learning as much as possible about how premiums are formulated can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Acadia SL AWD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Acadia SLE 2WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Acadia SLE AWD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Acadia SLT 2WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Acadia SLT AWD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in San Antonio which can lower or raise premiums noticeably.
Policy deductible comparison
A question often asked by San Antonio drivers is how high should the physical damage coverage deductibles be. The comparisons below approximate the premium difference of buying low and high comp and collision deductibles. The first rate estimation uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Acadia SL AWD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Acadia SLE 2WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Acadia SLE AWD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Acadia SLT 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Acadia SLT AWD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Acadia SL AWD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Acadia SLE 2WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Acadia SLE AWD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Acadia SLT 2WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Acadia SLT AWD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in zip code location which can revise auto insurance rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible costs roughly $26 more each month or $312 a year across all GMC Acadia models than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 29 months between claims, you would probably come out ahead going with the higher deductible.
The illustration below highlights how deductible choice and can increase or decrease GMC Acadia insurance premiums for different age groups of insureds. The data is based on a single male driver, full coverage, and no other discounts are factored in.
Difference between liability only and full coverage rates
The illustration below illustrates the difference between GMC Acadia car insurance costs with and without physical damage coverage. The premiums are based on no violations or accidents, $100 deductibles, single marital status, and no policy discounts are applied.
Guidelines for eliminating full coverage
There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your GMC Acadia replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year to have full coverage, then you may need to consider dropping full coverage.
There are a few situations where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.
Do you qualify for discounts on GMC Acadia insurance in San Antonio?
Companies offering auto insurance don’t always advertise their entire list of discounts in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden insurance savings.
- Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free prior to the accident.
- Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from San Antonio and do not have access to a covered vehicle may qualify for this discount.
- Bundle and Save – If you have multiple policies with one insurance company they may give you a discount of 10% to 20% off each policy.
- Early Switch Discount – Some insurance companies give discounts for buying a new policy prior to the expiration date on your current Acadia insurance policy. Ten percent is about the average savings.
- Active Military Service – Having a family member in the military could qualify you for better insurance rates.
- Include Life Insurance and Save – Select insurance carriers reward you with a lower rate if you buy some life insurance in addition to your auto policy.
- Senior Citizen Rates – Drivers that qualify as senior citizens are able to get a small discount on rates.
- Good Student Discount – Excelling in school may save you up to 25%. The good student discount can last until age 25.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free insurance policy, you aren’t that lucky.
The illustration below shows the comparison of GMC Acadia car insurance rates with and without discounts applied. The data is based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, homeowner, safe-driver, and multi-car discounts applied.
Larger insurance companies and some of the discounts are detailed below.
- State Farm may include discounts for good driver, student away at school, passive restraint, accident-free, defensive driving training, and driver’s education.
- Esurance has discounts for anti-theft, defensive driver, good driver, safety device, homeowner, good student, and multi-car.
- Progressive has savings for multi-policy, continuous coverage, online quote discount, good student, and multi-vehicle.
- Liberty Mutual may have discounts that include new move discount, multi-car, newly married, exclusive group savings, and new graduate.
- Auto-Owners Insurance offers premium reductions for group or association, teen driver, multi-policy, paid in full, safe vehicle, and anti-theft.
- GEICO discounts include emergency military deployment, good student, defensive driver, anti-theft, five-year accident-free, and membership and employees.
Before you buy a policy, ask each company or agent which credits you are entitled to. A few discounts may not apply to policyholders everywhere. To view insurance companies that provide some of the discounts listed above in Texas, follow this link.
When should I get advice from a local insurance agent?
Some consumers just prefer to sit down and talk to an agent and that is a personal choice. Professional agents are trained risk managers and help file insurance claims. One of the benefits of comparing rates online is the fact that you can find cheap insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this short form, your insurance data is transmitted to participating agents in San Antonio who can give free rate quotes to get your business. You don’t have to drive around as quotes are delivered immediately to your email address. If you need to compare prices from a specific company, you would need to visit that company’s website and give them your coverage information.
Picking the best company shouldn’t rely on just the price. Some important questions to ask are:
- Is the agent and/or agency licensed to do business in Texas?
- Are they involved in claim handling?
- Do they prorate repair cost based on vehicle mileage?
- Where would glass claims be handled in San Antonio?
- Does the agency have a current Errors and Omissions policy?
- When do they do a full risk review?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do the companies they represent have a solid financial rating?
How to choose the best car insurance agent in San Antonio
If you need to find an insurance agent, it helps to know the two different agency structures and how they operate. Insurance agents in San Antonio may be either exclusive agents or independent agents. Either one can sell and service insurance coverage, but it is a good idea to know the difference in the companies they write for since it can impact buying decisions.
Exclusive Agents
Agents that choose to be exclusive can only quote rates from one company like Allstate and State Farm. Exclusive agents are unable to give you multiple price quotes so always compare other rates. They are trained well on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agents in San Antonio that are able to give price quote information.
- State Farm: Sam Longoria
11026 Culebra Rd #105 – San Antonio, TX 78253 – (210) 433-3264 – View Map - Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map - Enrique Enriquez – State Farm Insurance Agent
8359 Perrin Beitel Rd – San Antonio, TX 78218 – (210) 967-8669 – View Map
Independent Insurance Agents
Agents of this type are not employed by one company and that is an advantage because they can write policies with many different companies and find you cheaper rates. To transfer your coverage to a different company, they simply move the coverage in-house and you stay with the same agent. When comparing rate quotes, you need to get insurance quotes from multiple independent agents to have the most options to choose from. They often place coverage with mutual insurance companies that many times have cheaper rates.
Shown below is a list of independent insurance agencies in San Antonio that can give you price quotes.
- Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map - Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map - Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map
If you feel you receive positive feedback to these questions as well as offering an affordable quote, you have narrowed it down to a car insurance agent that can insure your vehicles. Just understand that it’s your policy and you can terminate coverage whenever you wish so don’t assume that you are permanently stuck with any specific agency for the full term.
How much insurance do I need?
When quoting and choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your insurance should unique, too.
These are some specific questions can help discover if your insurance needs might need an agent’s assistance.
- Am I covered if hit by an uninsured driver?
- Am I covered if I back into my garage door?
- Will filing a claim cost me more?
- Which companies are cheaper for teen drivers?
- What are the liability requirements in my state?
- Should I carry comprehensive and collision coverage?
- What happens if I owe more than my GMC Acadia is worth?
- When does my teenage driver need to be added to my policy?
- Are split liability limits better than a combined single limit?
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Persistence will pay off
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the best possible price while still protecting your assets.
Cost effective GMC Acadia insurance is possible on the web and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies may not offer rate quotes online and these regional insurance providers only sell through local independent agents.
We just covered quite a bit of information on how to compare GMC Acadia insurance premium rates in San Antonio. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest GMC Acadia rate quotes. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies. They can often provide lower prices in certain areas as compared to the big name companies such as GEICO and State Farm.
Even more information is available by following these links:
- Teen Driver Licensing Information (iihs.org)
- How Much are San Antonio Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in San Antonio? (FAQ)
- What Auto Insurance is Cheapest for Teenagers in San Antonio? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)