Locating cheaper insurance for a GMC Canyon in Nevada can be a lot of work, but you can use these tips to save time. There is a better way to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for a GMC and get the lowest possible price from Las Vegas insurance agents and online providers.
Cutting your Las Vegas car insurance rates is surprisingly easy. The only requirement is to take time getting comparison quotes online from several insurance companies.
The companies shown below provide free rate quotes in Nevada. To get cheap auto insurance in Las Vegas, NV, we suggest you get price quotes from several of them to get the lowest price.
Analysis of coverages
The price information displayed below showcases a range of coverage costs for GMC Canyon models. Being aware of how policy premiums are established can benefit drivers when making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Canyon SLE Regular Cab 2WD||$198||$406||$348||$20||$104||$1,076||$90|
|Canyon SLE Ext Cab 2WD||$198||$494||$348||$20||$104||$1,164||$97|
|Canyon SLE Ext Cab Z71 2WD||$198||$494||$348||$20||$104||$1,164||$97|
|Canyon SLE Crew Cab 2WD||$198||$494||$348||$20||$104||$1,164||$97|
|Canyon SLE Regular Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|Canyon SLE Crew Cab Z71 2WD||$228||$494||$348||$20||$104||$1,194||$100|
|Canyon SLT Ext Cab 2WD||$228||$494||$348||$20||$104||$1,194||$100|
|Canyon SLE Ext Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|Canyon SLT Crew Cab 2WD||$228||$582||$348||$20||$104||$1,282||$107|
|Canyon SLE Ext Cab Z71 4WD||$228||$494||$348||$20||$104||$1,194||$100|
|Canyon SLE Crew Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|Canyon SLE Crew Cab Z71 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|Canyon SLT Crew Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|Canyon SLT Ext Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific Las Vegas garaging location which can alter coverage rates considerably.
The diagram below highlights how deductible selection and can affect GMC Canyon insurance prices for each age group. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
How violations and accidents impact rates
The illustration below shows how violations and accidents influence GMC Canyon auto insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Choosing the best GMC Canyon insurance in Nevada is an important decision
Despite the potentially high cost of GMC Canyon insurance, insuring your vehicle is required for several reasons.
- Just about all states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Canyon has a loan, it’s most likely the lender will make it a condition of the loan that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your GMC at a much higher rate and force you to reimburse them the higher premium.
- Auto insurance protects your car and your assets. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If your GMC gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying auto insurance more than cancel out the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $830 a year so compare quotes from several companies at every policy renewal to ensure rates are competitive.
Smart Buyers Save Money
Consumers need to have an understanding of the rating factors that help calculate the price you pay for car insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that may result in lower premium levels. Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic like your driving record, but some are more obscure like your continuous coverage and annual miles driven.
Extra policy coverages that aren’t used – There are a lot of extra add-on coverages that can waste your money if you don’t pay attention. Insurance for rental car reimbursement, accident forgiveness, and motor club memberships could be just wasting money. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
How many miles do you drive? – The higher the miles on your GMC every year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates than those used for commuting. It’s a good idea to make sure your car insurance policy shows the right rating data. An improperly rated Canyon is throwing money out the window.
Drivers with responsible credit save on car insurance – Having a bad credit history is likely to be a major factor in determining premium rates. Drivers with high credit scores tend to be less risk to insure than drivers with lower credit ratings. Therefore, if your credit history is not that good, you could pay less to insure your GMC Canyon by taking the time to improve your credit score.
Prices for men may be higher – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are better drivers. Both genders have at-fault accidents in similar numbers, but males have costlier accidents. They also receive more major tickets like driving under the influence (DUI). Males from age 16 to 21 tend to get in the most accidents so it costs more to insure them.
The illustration below shows the difference between GMC Canyon yearly insurance costs for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.
No car insurance policy gaps is important – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will you pay more, failure to provide proof of insurance may result in a steep fine or even jail time.
Qualify for multi-policy discounts – Most insurers allow discounts to customers that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other company rates to guarantee you are still saving the most.
Get cheaper rates after the wedding – Having a spouse may save some money on your car insurance policy. Having a spouse means you’re more mature than a single person and insurance companies reward insureds because drivers who are married are more cautious.
Your age impacts your prices – Older people are more responsible, tend to cause fewer accidents, and are safer drivers. Youthful drivers tend to be less responsible in a vehicle so they pay higher car insurance rates.
The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Insurance loss probability for a GMC Canyon – Insurers analyze claim trends for every vehicle to help determine prices. Models that historically have higher prevalence or dollar amount of losses will have higher rates.
The table below demonstrates the loss history for GMC Canyon vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make or model, is a value of 100. Values that are 100 or less are indicative of better than average losses, while percentage values above 100 indicate more frequent claims or statistically larger losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|GMC Canyon Crew Cab 2WD||54||88|
|GMC Canyon Crew Cab 4WD||44||71|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You are unique and your auto insurance should be too
When it comes to the best auto insurance coverage, there really isn’t a “best” method to buy coverage. Every insured’s situation is different and your auto insurance should be unique as well.
These are some specific questions may help highlight whether or not you could use an agent’s help.
- When can my company non-renew my policy?
- Does my policy pay for OEM or aftermarket parts?
- Which companies will insure high-risk drivers?
- Should I rate my vehicle as business use?
- Are rental cars covered under my policy?
- Do I have coverage when pulling a U-Haul trailer?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Ratings for Nevada auto insurance companies
Buying coverage from the top car insurance provider can be challenging considering how many choices drivers have in Nevada. The information shown below can help you decide which coverage providers you want to consider putting your business with.
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Las Vegas Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Compare but don’t skimp
You just learned many ideas to find cheaper GMC Canyon insurance in Las Vegas. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable GMC Canyon insurance quotes. You may even find the lowest rates come from an unexpected company. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.
When getting Las Vegas auto insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that it was a big mistake. Your goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.
Lower-priced insurance in Las Vegas is possible both online and with local Las Vegas insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not provide the ability to get quotes online and these small, regional companies prefer to sell through independent insurance agents.
How to find lower priced GMC Canyon insurance in Las Vegas
To save the most money, the best way to find affordable quotes for GMC Canyon insurance in Las Vegas is to compare prices once a year from insurers that sell auto insurance in Nevada. Rate comparisons can be done by completing these steps.
- Step 1: Try to learn about how companies price auto insurance and the things you can control to keep rates down. Many risk factors that result in higher rates like at-fault accidents, careless driving, and bad credit can be amended by making minor driving habit or lifestyle changes.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote prices for a wide range of companies.
- Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Canyon coverage is available in Las Vegas. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to compare similar limits and deductibles on each quote request and and to get rates from as many auto insurance providers as possible. This enables the most accurate price comparison and a complete price analysis.
To learn more, take a look at the resources below:
- How do I File a Claim? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Hyundai Sonata in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance for a Subaru Outback? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Red Light Cameras (State Farm)