7 Best Ways to Slash GMC Acadia Insurance Rates in Las Vegas

Nobody I know cherishes buying car insurance, especially when their premiums are through the roof.

There is such a variety of insurers to buy insurance from, and though it is a good thing to have a selection, it can be more difficult to compare company pricing.

Don’t miss out on these seven money-saving discounts

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of some of the more common and the more hidden car insurance savings.

  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Acadia insurance than less cautious drivers.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Acadia insurance.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Acadia insurance with a few car insurance companies.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous.

How to Compare Car Insurance Costs in Las Vegas, NV

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The best method to find competitive GMC Acadia insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

One of the simplest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate forms for each company. One form submission will get you rate comparisons direct from many companies.

A slightly less efficient method to get comparison quotes is going to the website of each company to complete a price quote. For sake of this example, let’s say you want rates from GEICO, 21st Century and Liberty Mutual. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in Las Vegas, click here.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information with every price quote. If you enter differing limits it’s not possible to make a fair comparison for your GMC Acadia in Las Vegas. Having just a slight variation in limits could mean much higher rates. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting better pricing.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your GMC Acadia.

Because many people only carry the minimum required liability limits (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, falling objects, hitting a bird and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, sideswiping another vehicle, rolling your car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

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Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as pain medications, surgery, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Keep this in mind

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. There have been many cases where someone dropped liability coverage limits and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented quite a bit of information on how to lower your GMC Acadia insurance rates. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with the smaller companies. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

The cheapest GMC Acadia insurance is possible from both online companies in addition to many Las Vegas insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.