Save on 2017 GMC Canyon Car Insurance Cost

Want lower car insurance rates for your GMC Canyon? Trying to find low-cost insurance for a GMC Canyon can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance and you need to know the proper way to compare rates for a new or used GMC and obtain the best price possible.

It’s a good habit to get comparison quotes at least once a year due to the fact that insurance rates are constantly changing. Just because you found the best rate on Canyon coverage at your last renewal the chances are good that you can find a lower price today. There are lots of tips to save on car insurance online, but by reading this article, you’re going to learn some solid techniques on how to buy car insurance cheaper.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the proper way to buy car insurance on the web.

Low cost car insurance price quotes

Getting a cheaper price on 2017 GMC Canyon insurance is actually easier than you may think. Consumers just need to invest a little time to get quotes to see which company has inexpensive insurance quotes. It’s super easy and can be done by following the guidelines below.

  • Without a doubt, the easiest way to get quotes for comparison is a comparison rater form click to view form in new window. This method keeps you from doing repetitive form submissions for every company. Just one form gets insurance cost estimates from car insurance companies with the best prices. It’s the fastest way to compare.
  • A different way to get quotes online is going to each individual company website to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Liberty Mutual, State Farm and Allstate. To find out each rate you need to take the time to go to each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but try to use identical quote data for each price quote. If you use different coverage information it’s not possible to decipher which rate is best.

Find discounts to get cheap auto insurance rates

Car insurance is not cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but occassionally some discounts must be manually applied in order for you to get them.

  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Sign Online – Some insurance companies provide a small discount for buying your policy on the web.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
  • Senior Citizen Rates – Drivers over the age of 55 may be able to get lower premium rates on Canyon coverage.
  • Telematics Data – Drivers who agree to allow driving data submission to spy on their driving habits by using a telematic data system like Allstate’s Drivewise may see discounts if they are good drivers.
  • Drive Safe and Save – Safe drivers can save as much as half off their rates on Canyon coverage compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
  • Low Mileage – Low annual miles could be rewarded with lower rates due to less chance of an accident.

A quick disclaimer, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

To view insurance companies who offer cheap auto insurance quotes, click this link.

Reduce insurance rates with these tips

Many factors are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more obscure such as your marital status and annual miles driven.

  • Bump up coverage deductibles to lower rates – Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your GMC. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to pay before a claim is paid by your company. The more of the claim you have to pay, the lower your rates will be on Canyon coverage.
  • Coverage lapses lead to higher prices – Driving your car without having proper coverage is against the law and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance may result in a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Women pay lower premiums – The statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both tend to get into auto accidents at about the same rate, but males tend to have more serious accidents. Not only that, but men also have more aggressive citations like reckless driving and DUI. Male teenagers cause the most accidents so they pay the highest premiums.
  • Improve your credit score – Having a good credit score is a big factor in determining what you pay for insurance coverage. If your credit rating is not that good, you may save money insuring your 2017 GMC Canyon by taking the time to improve your credit score. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings.
  • Use but don’t abuse your insurance – If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Car insurance companies generally give the best rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.

Tailor your insurance coverage to you

When buying adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?
  • Should I bundle my homeowners policy with my auto?
  • When can my company non-renew my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • What are the financial responsibility laws in my state?
  • What if I total my 2017 GMC Canyon and owe more than it’s worth?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses such as pain medications, X-ray expenses, surgery, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, a tree branch falling on your vehicle, falling objects and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.


Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, emergency aid, loss of income, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Canyon.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision insurance

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

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

The bottom line

When you buy insurance online, you should never skimp on coverage in order to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to find out that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We covered many ideas to get a better price on 2017 GMC Canyon insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from some of the lesser-known companies.

Cheaper insurance coverage is definitely available both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and many times these regional carriers only sell through independent insurance agents.

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