Do you get exhausted from scraping nickels together to pay high car insurance rates every month? You are no different than millions of other vehicle owners.
It’s well known that car insurance companies don’t want you quoting rates from other companies. Drivers who shop for lower rates are likely to switch car insurance companies because of the high probability of finding a lower-priced policy. A recent study showed that consumers who shopped around annually saved over $72 a month as compared to drivers who never compared other company’s rates.
If finding discount rates on auto insurance is your ultimate objective, then having an understanding of the best ways to shop for auto insurance can make it easier to shop your coverage around.
Steps to quoting cheaper GMC Acadia insurance in Irvine
The easiest way to find low-cost prices for GMC Acadia insurance is to compare prices at least once a year from companies in Irvine.
- Step 1: Spend a few minutes and learn about how insurance works and the changes you can make to prevent high rates. Many factors that result in higher rates such as inattentive driving and an unacceptable credit score can be eliminated by making minor changes in your lifestyle.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from many different companies. Get quotes now
- Step 3: Compare the price quotes to your existing policy to determine if switching companies saves money. If you find better rates and decide to switch, make sure there is no lapse in coverage.
One tip to remember is to try to compare similar deductibles and liability limits on every quote request and and to get price quotes from as many different insurance providers as possible. This helps ensure a fair price comparison and many rates to choose from.
Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest price on GMC Acadia insurance in Irvine.
Smart consumers take time to compare premium rates as often as possible because car insurance prices trend upward over time. Just because you had the best deal on GMC Acadia insurance in Irvine six months ago there may be better deals available now. Block out anything you think you know about car insurance because you’re going to learn the only way to find better rates and still maintain coverage.
If you have coverage now, you will definitely be able to buy cheaper car insurance using the concepts covered in this article. Locating the most cost-effective car insurance policy in Irvine is really quite easy. But California drivers must comprehend the way insurance companies sell insurance online.
How to find low cost GMC Acadia insurance in Irvine, California
It’s important to know that comparing a large number of companies increases the chance that you will find a lower rate. Some companies don’t provide Irvine Acadia insurance quotes over the internet, so it’s important to compare price quotes from the smaller companies as well.
The providers in the list below are our best choices to provide price quotes in Irvine, CA. To get the best cheap auto insurance in California, we recommend you visit several of them in order to find the most competitive rates.
Rates and data analysis
The rate table displayed next highlights a range of coverage costs for GMC Acadia models. Being more informed about how rate quotes are calculated can help you make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $158 | $306 | $500 | $30 | $150 | $1,144 | $95 |
| Acadia SL AWD | $182 | $306 | $500 | $30 | $150 | $1,168 | $97 |
| Acadia SLE 2WD | $182 | $306 | $500 | $30 | $150 | $1,168 | $97 |
| Acadia SLE AWD | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Acadia SLT 2WD | $182 | $372 | $500 | $30 | $150 | $1,234 | $103 |
| Acadia SLT AWD | $204 | $372 | $500 | $30 | $150 | $1,256 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific location which can revise price quotes substantially.
Physical damage deductibles: Should you raise them?
One common question asked by Irvine drivers is how high should the physical damage coverage deductibles be. The following tables approximate the rate difference between high and low policy deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Acadia SL AWD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Acadia SLE 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Acadia SLE AWD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Acadia SLT 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Acadia SLT AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Acadia SL AWD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Acadia SLE 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Acadia SLE AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Acadia SLT 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Acadia SLT AWD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in garaging location in Irvine which can influence premiums considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $41 more each month or $492 every year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 22 months between claims, you would more than likely save some money if you choose a higher deductible. The table below illustrates how we made this calculation.
| Average monthly premium for $100 deductibles: | $136 |
| Average monthly premium for $1,000 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
An important thing to remember is that higher deductibles results in a higher out-of-pocket expense when you do file a claim. You need some available funds in order to pay more to get your vehicle repaired.
Safe drivers Irvine pay cheaper rates
The chart below highlights how traffic violations and at-fault accidents can influence GMC Acadia auto insurance rates for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Special considerations
When choosing your policy for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.
These are some specific questions could help you determine whether your personal situation may require specific advice.
- Am I covered if I crash into my own garage door?
- What is no-fault insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- When would I need rental car insurance?
- Are rock chip repairs covered?
- What is the difference between comprehensive and collision coverage?
- I have a DUI can I still get coverage?
- Is my babysitter covered when using my vehicle?
- Do I have coverage when making deliveries for my home business?
- Is there a penalty for late payment?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
When should I get advice from an insurance agent?
A lot of people would rather talk to a local agent and doing that can be a smart decision One of the great benefits of comparing insurance online is that drivers can save money and get lower rates but also keep your business local.
Once you complete this short form, your insurance data is submitted to companies in Irvine that provide free Irvine auto insurance quotes for your coverage. You never need to drive around because quoted prices will be sent to your email. You can most likely find cheaper rates and work with a local agent. In the event you want to compare rates from one company in particular, don’t hesitate to navigate to their website and fill out their quote form.
Picking the best insurance company is decision based upon more than just the premium amount. The questions below may impact your decision as well.
- How many years have they been established?
- Does the agency have a current Errors and Omissions policy?
- Can you contact them at any time?
- Does the agent help file claims?
- If they are an independent agency in Irvine, which companies do they recommend?
Two different types of auto insurance agents
If you want to use a local Irvine insurance agency, it’s helpful to know the different types of agencies and how they operate. Insurance agents in Irvine are considered either exclusive agents or independent agents.
Exclusive Insurance Agencies
Agents of this type can only write with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on their products and sales techniques which helps offset the inability to provide other markets.
The following is a short list of exclusive agents in Irvine willing to provide comparison quotes.
Steven Wang – State Farm Insurance Agent
15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600 – View Map
Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
Sharon Leung – State Farm Insurance Agent
18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900 – View Map
Independent Agents
Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, the agent simply finds a different carrier and you don’t have to switch agencies. When comparing rates, you should always include rate quotes from at a minimum one independent agency to have the best price comparison.
Below is a short list of independent agents in Irvine willing to provide price quote information.
Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map
Blackwell Insurance
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222 – View Map
Tustin Insurance Agency
17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704 – View Map
Auto insurance company ratings
Ending up with the right car insurance provider can be difficult considering how many companies there are in California. The ranking data shown next could help you pick which companies to look at to insure your vehicles.
Top 10 Irvine Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Irvine Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford