Best Ways to Save on Bakersfield GMC Acadia Insurance

High-priced auto insurance in Bakersfield can consume your budget and make it tough to pay other bills.

Insurance for GMC AcadiaStatistics show that a large majority of consumers have been with the same company for well over three years, and virtually 40% of consumers have never compared rate quotes at all. Consumers in California could save as much as 35% every year by just shopping around, but they feel it’s too difficult to compare rates online.

How to find affordable GMC Acadia insurance in Bakersfield

The most effective way to find affordable quotes for car insurance rates in Bakersfield is to compare quotes annually from insurers who provide car insurance in California.

An important note is that you use the same physical damage deductibles and liability limits on every quote request and and to get quotes from all possible companies. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Big companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers need to do rate comparisons quite often since prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on GMC Acadia insurance in Bakersfield a year ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

If you have coverage now or just want a better rate, use these techniques to lower your rates without having to cut coverage. Finding the cheapest car insurance coverage in Bakersfield is easy if you know what you’re doing. Vehicle owners just need to learn the proper methods to compare prices from multiple carriers.

The quickest way to get policy rate comparisons for GMC Acadia insurance in Bakersfield is to know most of the larger companies provide online access to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as whether your vehicle is owned or leased, marital status, how you use your vehicles, and coverage limits. That information is automatically sent to multiple different insurance companies and you will receive price estimates quickly.

To compare rates for your GMC Acadia now, click here and complete the quick form.

The companies in the list below are ready to provide price comparisons in Bakersfield, CA. If multiple providers are shown, it’s a good idea that you get rates from several of them to get the most affordable price.

GMC Acadia insurance rates and statistics

The coverage table shown below highlights different rate quotes for GMC Acadia models. Learning a little about how car insurance prices are determined is important to be able to make decisions on the best policy coverages.

GMC Acadia Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $208 $374 $464 $28 $138 $1,212 $101
Acadia SL AWD $238 $374 $464 $28 $138 $1,242 $104
Acadia SLE 2WD $238 $374 $464 $28 $138 $1,242 $104
Acadia SLE AWD $238 $454 $464 $28 $138 $1,322 $110
Acadia SLT 2WD $238 $454 $464 $28 $138 $1,322 $110
Acadia SLT AWD $270 $454 $464 $28 $138 $1,354 $113
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in your specific Bakersfield location which can alter premium rates greatly.

Deductible analysis

A question often asked by Bakersfield drivers is which comprehensive and collision deductibles to buy. The tables below sum up how much more you’ll pay between low and high deductibles. The first data set uses a $250 deductible and the second rate chart uses a $500 deductible.

GMC Acadia insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $298 $472 $442 $26 $132 $1,395 $116
Acadia SL AWD $342 $472 $442 $26 $132 $1,439 $120
Acadia SLE 2WD $342 $472 $442 $26 $132 $1,439 $120
Acadia SLE AWD $342 $576 $442 $26 $132 $1,543 $129
Acadia SLT 2WD $342 $576 $442 $26 $132 $1,543 $129
Acadia SLT AWD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go

GMC Acadia insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $242 $382 $442 $26 $132 $1,224 $102
Acadia SL AWD $278 $382 $442 $26 $132 $1,260 $105
Acadia SLE 2WD $278 $382 $442 $26 $132 $1,260 $105
Acadia SLE AWD $278 $464 $442 $26 $132 $1,342 $112
Acadia SLT 2WD $278 $464 $442 $26 $132 $1,342 $112
Acadia SLT AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in garaging location in Bakersfield which can lower or raise premium rates substantially.

We can estimate from the data above that using a $250 deductible will cost you roughly $15 more each month or $180 every year averaged for all Acadia models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would probably save some money if you decide on a higher deductible. Here is a better example of how this decision is made.

Average monthly premium for $250 deductibles: $124
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

The information below illustrates how your choice of deductibles and can raise or lower GMC Acadia premium costs for different age groups. The costs are based on a married male driver, full coverage, and no discounts are applied.

Bad driving habits will cost you more

The diagram below highlights how speeding tickets and at-fault accidents impact GMC Acadia auto insurance costs for different categories of driver ages. The costs are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

Get GMC Acadia Insurance at a Discount

A large part of saving on car insurance is knowing the rating factors that are used to determine the rates you pay for car insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that can earn you much lower annual insurance costs. Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although others are not quite as obvious like where you live and annual miles driven.

Why you need vehicle insurance in California

Despite the potentially high cost of GMC Acadia insurance, maintaining insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. The average driver in California is wasting up to $869 every year so we recommend shopping around every year to be sure current rates are still competitive.

Ratings for Bakersfield car insurance companies

Finding the right car insurance provider can be difficult considering how many different companies there are to choose from in Bakersfield. The company ratings shown below may help you decide which auto insurers you want to consider shopping your coverage with.

Top 10 Bakersfield Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive