View 2016 GMC Canyon Car Insurance Quotes

I can’t think of a single person who enjoys paying for car insurance, particularly when they are paying too much. Multiple car insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the best rate

How much is auto insurance?

Most companies like Progressive, Allstate and Geico give insurance quotes direct online. Getting online quotes doesn’t take much effort as you simply enter your required coverages into the form. Once you submit the form, the company’s rating system automatically retrieves your driving record and credit report and returns a price based on many factors. Online price quotes makes comparing rates easy, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to perform this step if you are searching for lower prices.

A more efficient way to find better auto insurance pricing requires only one form that gets price quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. As soon as the form is sent, it is quoted and you are able to buy any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To find out what other companies charge, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you complete the form with the coverages exactly as they are listed on your policy. This way, you will get rate comparison quotes for similar coverage.

Are you earning every discount?

Not too many consumers would say car insurance is affordable, but you can get discounts to help bring down the price. Some trigger automatically when you quote, but a few must be asked about before they will apply. If they aren’t giving you every credit you qualify for, you are throwing money away.

• Own a Home – Owning a house can get you a discount since home ownership is proof of financial responsibility.
• Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Resident Student – Kids living away from home attending college and leave their car at home can receive lower rates.
• Discount for New Cars – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
• Memberships – Being a member of a qualifying organization could qualify you for a break when getting a car insurance quote.
• Seat Belts Save – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Sign Early and Save – A few larger companies give discounts for switching companies early. You may see this discount when you get car insurance quotes online.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.

You should keep in mind that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

Car insurance companies that have these discounts may include but are not limited to:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Check with each company the best way to save money. All car insurance discounts may not apply to policyholders in your area.

When in doubt talk to an agent

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether you will benefit from professional help.

• Am I covered when delivering products for my home-based business?
• Should I have combined single limit or split liability limits?
• Should I waive the damage coverage when renting a car?
• Am I covered if my car is in a flood?
• Am I covered if I wreck a rental car?
• What is high-risk coverage and where do I buy it?
• Where can I find DUI or SR-22 insurance?
• Does insurance cover tools stolen from my truck?
• Do I pay less for low miles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, emergency aid, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, doctor visits and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hitting a deer, hitting a bird and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Canyon.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.