Lower Your 2017 GMC Canyon Insurance Cost 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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Want the cheapest auto insurance rates for your GMC Canyon? Finding low cost prices on auto insurance can be hard for drivers not familiar with comparing rates online. With such a large number of companies in the marketplace, it can easily turn into more work than you anticipated to compare rates.

How you can control GMC Canyon insurance premiums

Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but other factors are less obvious such as your credit history and annual miles driven.

The items below are a few of the things companies use to determine rates.

  • Married people drive safer – Getting married actually saves money when shopping for insurance. Marriage demonstrates that you tend to be less irresponsible and insurance companies like that married drivers tend to file fewer claims.
  • lapses raise rates – Going without insurance is a quick way to pay more for insurance. In addition to paying higher premiums, being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Low stress vocation equals lower insurance rates – Do you have a high-stress occupation? Careers like military personnel, architects and emergency personnel generally pay the highest average rates attributed to intense work requirements and long work days. On the flip side, professions such as actors, students and retirees pay lower than average rates for Canyon coverage.
  • What are good liability limits? – A critical coverage on your policy, liability insurance is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Better drivers pay less – Attentive drivers have lower premiums than bad drivers. Only having one chargeable violation can boost insurance rates forty percent or more. Drivers with multiple violations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to keep their license.
  • Multiple policies with one company can save – Most major insurance companies will award better rates to buyers that purchase more than one policy in the form of a multi-policy discount. Even if you already get this discount, you may still want to compare other insurance prices to ensure the best deal.
  • Prevent theft and save – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft.

Low cost auto insurance prices

Comparing auto insurance rates can be exhausting if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the web to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and every company can provide price quotes. This prevents consumers from doing form submissions for each company. To access this free quoting program, enter your zip code here.

The one disadvantage to using this type of form is you are unable to specify the providers to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of auto insurance companies in your area. Click to enter zip code.

The approach you take is up to you, just compare apples-to-apples coverage limits for every quote you compare. If you enter mixed coverages you will not be able to make a fair comparison for your GMC Canyon. Having just a slight variation in coverages can result in a big premium difference. It’s important to know that getting more free quotes provides better odds of finding a lower rate.

Beware of misleading insurance coverage ads

Insurance coverage providers like GEICO, State Farm and Progressive endlessly run television and radio advertisements. All the companies say the same thing that drivers will save a bundle just by moving your insurance coverage policy to them. How does every company offer you a better deal? You have to listen carefully.

Most companies have specific criteria for the type of customer that earns them the most money. For example, a profitable risk profile may need to be a mature driver, carries full coverage, and drives a vehicle with a low ISO rating. Anyone that meets those criteria may get the lowest rates as well as save quite a bit of money when switching.

Insureds who are not a match for the “perfect” profile will get a more expensive rate which results in the prospect going elsewhere. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can advertise the way they do. Because each company has a different risk profile, you should compare price quotes frequently. It is just not possible to predict which company will provide you with the cheapest premium rates.

Get lower rates with these discounts

Insurance can cost an arm and a leg, but you may find discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of quoting, but some must be manually applied before you will receive the discount.

  • Discount for Home Ownership – Just being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
  • E-sign Discounts – Certain companies will give you a small discount for signing up on the internet.
  • Student Discounts – This discount may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
  • Passenger Safety Discount – Factory options such as air bags can receive discounts of 20% or more.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for Canyon coverage depending on your auto insurance provider.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, that’s just not realistic.

A few of the larger companies and a selection of discounts are shown below.

  • Progressive offers premium reductions for online signing, online quote discount, homeowner, multi-policy, and multi-vehicle.
  • MetLife may include discounts for good driver, good student, multi-policy, defensive driver, claim-free, and accident-free.
  • Mercury Insurance offers discounts including ease of repair, accident-free, type of vehicle, location of vehicle, age of vehicle, and low natural disaster claims.
  • Nationwide may offer discounts for accident-free, multi-policy, defensive driving, business or organization, Farm Bureau membership, and family plan.
  • GEICO has discounts for federal employee, military active duty, air bags, good student, anti-lock brakes, and emergency military deployment.
  • AAA offers discounts for multi-car, AAA membership discount, pay-in-full, multi-policy, good driver, and education and occupation.

Check with every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. If you would like to view providers with the best discounts, enter your zip code here.

Car insurance can be complex

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover if you would benefit from an agent’s advice.

  • Do I need replacement cost coverage?
  • Why does it cost so much to insure a teen driver?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why am I required to buy high-risk coverage?
  • Is my ex-spouse still covered by my policy?
  • Should I buy full coverage?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance policy coverages for a GMC Canyon

Having a good grasp of car insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 GMC Canyon.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from flooding, hitting a deer, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, emergency aid and loss of income. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, EMT expenses, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Quote more, save more

Drivers leave their current company for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, denial of a claim and even high prices. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Cost effective 2017 GMC Canyon insurance is attainable online and also from your neighborhood agents, so you need to quote auto insurance with both to have the best rate selection. A few companies don’t offer the ability to get a quote online and these regional insurance providers provide coverage only through independent insurance agents.

When you buy auto insurance online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage and learned later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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