Locating better insurance prices for a new or used GMC Acadia in New Jersey could be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to get price quotes on a GMC and locate the lowest possible price either online or from Jersey City insurance agents.
Compare GMC Acadia insurance rates
The following companies are ready to provide price comparisons in New Jersey. To buy cheaper auto insurance in New Jersey, we suggest you visit two to three different companies to find the lowest auto insurance rates.
Analysis of GMC Acadia rates
The data table displayed next outlines detailed analysis of rate quotes for GMC Acadia models. Learning a little about how insurance policy premiums are formulated can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $400 | $756 | $648 | $38 | $194 | $2,036 | $170 |
| Acadia SL AWD | $460 | $756 | $648 | $38 | $194 | $2,096 | $175 |
| Acadia SLE 2WD | $460 | $756 | $648 | $38 | $194 | $2,096 | $175 |
| Acadia SLE AWD | $460 | $918 | $648 | $38 | $194 | $2,258 | $188 |
| Acadia SLT 2WD | $460 | $918 | $648 | $38 | $194 | $2,258 | $188 |
| Acadia SLT AWD | $518 | $918 | $648 | $38 | $194 | $2,316 | $193 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific zip code location which can change premium rates significantly.
An analysis of deductible level
When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The rates shown below can help show the difference in cost between high and low policy deductibles. The first rate quote example uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $324 | $514 | $480 | $28 | $144 | $1,515 | $126 |
| Acadia SL AWD | $372 | $514 | $480 | $28 | $144 | $1,563 | $130 |
| Acadia SLE 2WD | $372 | $514 | $480 | $28 | $144 | $1,563 | $130 |
| Acadia SLE AWD | $372 | $626 | $480 | $28 | $144 | $1,675 | $140 |
| Acadia SLT 2WD | $372 | $626 | $480 | $28 | $144 | $1,675 | $140 |
| Acadia SLT AWD | $420 | $626 | $480 | $28 | $144 | $1,723 | $144 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $200 | $324 | $480 | $28 | $144 | $1,176 | $98 |
| Acadia SL AWD | $230 | $324 | $480 | $28 | $144 | $1,206 | $101 |
| Acadia SLE 2WD | $230 | $324 | $480 | $28 | $144 | $1,206 | $101 |
| Acadia SLE AWD | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Acadia SLT 2WD | $230 | $394 | $480 | $28 | $144 | $1,276 | $106 |
| Acadia SLT AWD | $258 | $394 | $480 | $28 | $144 | $1,304 | $109 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can lower or raise coverage prices greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $31 more each month or $372 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 24 months between claims, you would save more money if you opt for a higher deductible.
The diagram below demonstrates how choosing different deductibles and can change GMC Acadia yearly insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
Safe drivers Jersey City pay cheaper rates
The example below illustrates how speeding tickets and at-fault claims can affect GMC Acadia insurance costs for different ages of insureds. Data assumes a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
GMC Acadia full coverage rates compared to liability only
The diagram below compares GMC Acadia auto insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or claims, $1,000 deductibles, single status, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no exact formula of when to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your GMC Acadia book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are a few cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
When should I discuss my situation with an agent?
Always remember that when buying your policy for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that
For example, these questions could help you determine whether or not you would benefit from professional advice.
- What is no-fault insurance?
- Does my medical payments coverage pay my health insurance deductible?
- Will my GMC Acadia be repaired with OEM or aftermarket parts?
- Is my dog or cat covered if injured in an accident?
- Am I covered if hit by an uninsured driver?
- What are the best liability limits?
- Do I pay less for low miles?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Can’t I compare prices from local Jersey City car insurance agents?
Some consumers still like to visit with an insurance agent and that is not a bad decision Good agents can help you choose the best coverages and help you file claims. An additional benefit of comparing rates online is the fact that you can find better rates but still work with a licensed agent.
After completing this simple form, your insurance coverage information is sent to insurance agents in Jersey City that can give you free Jersey City auto insurance quotes and help you find cheaper coverage. There is no need to leave your house as quotes are delivered to you. If you have a need to quote rates for a specific company, you can always jump over to their website and complete a quote there.
Selecting an company requires you to look at more than just a cheap price. You should also get answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Will you get a loaner vehicle if you car is being repaired?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What are their preferred companies if they are an independent agency?
- How often do they review coverages?
Listed below are agents in Jersey City who can help you get price quote information for GMC Acadia insurance in Jersey City.
- Coe Insurance
2330 John F. Kennedy Blvd – Jersey City, NJ 07304 – (201) 435-4300 – View Map - ABL Insurance Services
910 Bergen Ave # 307 – Jersey City, NJ 07306 – (201) 222-1314 – View Map - Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map - Exodus Insurance Services
758 Ocean Ave – Jersey City, NJ 07304 – (201) 433-1015 – View Map
Ratings for Jersey City car insurance companies
Buying coverage from a good quality auto insurance company can be rather challenging considering how many different companies there are to choose from in Jersey City. The company rank data in the lists below can help you select which car insurance providers to look at shopping prices with.
Top 10 Jersey City Car Insurance Companies by A.M. Best Rank
- GEICO – A++
- Travelers – A++
- State Farm – A++
- USAA – A++
- Allstate – A+
- Nationwide – A+
- Mercury Insurance – A+
- Progressive – A+
- The Hartford – A+
- Esurance – A+