Save on 2016 GMC Canyon Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

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Buyers have many options when searching for the best price on GMC Canyon insurance. You can either spend your time driving around trying to get quotes or utilize the internet to compare rates.

There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a GMC and obtain the lowest possible price from local insurance agents and online providers.

These discounts can slash auto insurance rates

Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that may help make it more affordable. Some discounts apply automatically when you get a quote, but less common discounts must be manually applied prior to receiving the credit. If you do not double check each discount possible, you are just wasting money.

  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break when getting a insurance quote.
  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
  • Seat Belt Usage – Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Switch and Save Discount – A few insurance companies give discounts for switching policies prior to your current policy expiring. It could save around 10% when you buy insurance online.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

A few popular companies and a partial list of their discounts include:

  • State Farm has savings for good driver, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, and defensive driving training.
  • Nationwide may offer discounts for good student, multi-policy, business or organization, anti-theft, defensive driving, and easy pay.
  • GEICO policyholders can earn discounts including defensive driver, driver training, emergency military deployment, seat belt use, daytime running lights, and multi-policy.
  • AAA discounts include good driver, multi-car, anti-theft, good student, multi-policy, and AAA membership discount.
  • 21st Century has discounts for teen driver, good student, defensive driver, homeowners, and anti-lock brakes.
  • The Hartford may have discounts that include driver training, anti-theft, air bag, good student, defensive driver, and vehicle fuel type.

When comparing rates, check with each company which discounts you qualify for. A few discounts may not be offered in your area. To find insurers who offer cheap auto insurance quotes, enter your zip code here.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • Is my ex-spouse still covered by my policy?
  • What is an SR-22 filing?
  • Does insurance cover tools stolen from my truck?
  • Why am I required to buy high-risk coverage?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It is quick, free and may give you better protection.

Beware of misleading insurance ads

Consumers can’t avoid all the ads for cheaper insurance by companies like GEICO, State Farm and Progressive. They all seem to advertise the message that drivers can save some big amount after switching your policy.

But how can every company say the same thing? Just pay attention to how they say it.

Companies have specific characteristics for the type of driver that will add to their bottom line. For instance, a profitable customer should be over the age of 45, carries full coverage, and drives newer vehicles. A driver who matches those parameters will most likely get cheap rates and will most likely cut their rates substantially.

Potential customers who don’t qualify for those standards may receive higher premiums which translates to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” not “all people who quote” can get the lowest rates when switching. That is how companies can truthfully advertise the savings.

That is why drivers must compare as many free insurance quotes as you can. It is impossible to predict which company will give you lower premium rates than your current company.

Learn about insurance coverages for a 2016 GMC Canyon

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, funeral costs, ambulance fees, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your Canyon from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, rock chips in glass, hitting a bird and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, legal defense fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Make an honest buck

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

We just presented a lot of ways to shop for 2016 GMC Canyon insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best premium rates are with a lesser-known regional company.

Low-cost 2016 GMC Canyon insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have price quotes online and many times these smaller providers provide coverage only through independent agents.

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