Finding the best cheap auto insurance for a GMC Acadia in Illinois is pretty easy for most people to do, but it relies on a lot of rating factors such as how far you commute, your credit history, and citations or violations on your driving record. Drivers pay around $928 per year to insure their Acadia, but that amount is an estimation based upon a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
Odds are that you may not be 30 years old (or even female), married instead of single, and maybe you want different deductibles. Not everyone needs the same coverages, so the best way to find cheap insurance rates for your GMC is to do a thorough rate comparison. In just a few minutes you will receive rate quotes from top-rated companies that insure vehicles in Illinois.
Your vehicle’s trim level can impact price, so the rate you will pay to insure a Acadia SL 2WD will be $130 less expensive the insurance cost for the high end Acadia SLT AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$196||$344||$352||$20||$106||$1,018||$85|
|Acadia SL AWD||$224||$344||$352||$20||$106||$1,046||$87|
|Acadia SLE 2WD||$224||$344||$352||$20||$106||$1,046||$87|
|Acadia SLE AWD||$224||$418||$352||$20||$106||$1,120||$93|
|Acadia SLT 2WD||$224||$418||$352||$20||$106||$1,120||$93|
|Acadia SLT AWD||$252||$418||$352||$20||$106||$1,148||$96|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in your specific Chicago location which can affect coverage rates considerably.
Finding the highest-rated auto insurance company is difficult considering how many companies sell insurance in Illinois. The company ratings shown below could help you choose which insurers you want to consider shopping prices with. The rankings below are for companies who write in the majority of U.S. states, so smaller regional companies are not included in the list.
Top 10 Large Auto Insurance Providers in Chicago Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Top 10 Large Auto Insurance Providers in Chicago Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- Mercury Insurance
The information below shows how different deductible levels can increase or decrease insurance rates when quoting cheap insurance for a GMC Acadia. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $240 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $364 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates $702 each year by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional funds in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.
Cost difference between full coverage and liability
Finding cheaper insurance is probably important to the majority of vehicle owners, and one easy way to save on the cost of insurance for a GMC Acadia is to buy liability only. The information below shows the difference between auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no violations or claims, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $1,301 per year more than just insuring for liability. A very common question is when is it safe to stop buying full coverage. There is no exact rule for eliminating full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the deductible is paid. If you are paying in excess of $300 annually to have full coverage, then it might be time to consider dropping full coverage.
Insurance rate increases from tickets or accidents
In a perfect world, the best way to earn the cheapest insurance rates in Chicago for an Acadia is to pay attention while driving and not have accidents or get tickets. The diagram below illustrates how speeding tickets and accidents can impact premium costs for different age groups. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Chicago per year with no violations or accidents is $1,522. Receive two speeding tickets and the average cost swells to $2,105, an increase of $583 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for a GMC Acadia increases to an average of $4,166. That’s an increase of $2,644, or $220 per month, just for not maintaining a clean driving record!