Are you looking for a better way to compare more competitive GMC Canyon insurance in San Diego? Pretty sure you bought overpriced GMC Canyon insurance in San Diego? Don’t feel bad because there are many San Diego drivers thinking the same thing.
Astonishing but true, the vast majority of consumers in California have remained with the same insurance company for a minimum of four years, and 38% of customers have never compared rates with other companies. American drivers could save nearly 47% a year just by comparing rates, but they don’t know how much savings they would realize if they swap their current policy for a cheaper one.
With so many choices of insurance companies that have affordable insurance for a GMC Canyon in San Diego, it can be hard to find the lowest cost insurance company.
This information will help educate you on how to compare rates easily and also save some money in the process If you have coverage now, you should be able to lower your rates using the ideas covered in this article. But California consumers can benefit from knowing how the larger insurance companies market on the web and apply this information to your search.
When quoting auto insurance, remember that comparing a large number of companies helps locate a lower rate. Not every company provides price estimates online, so you should also compare price estimates from those companies as well.
The companies in the list below provide price quotes in California. If more than one company is shown, it’s a good idea that you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Canyon SLE Regular Cab 2WD||$268||$470||$596||$36||$178||$1,548||$129|
|Canyon SLE Ext Cab 2WD||$284||$672||$500||$30||$150||$1,636||$136|
|Canyon SLE Ext Cab Z71 2WD||$234||$454||$450||$26||$134||$1,298||$108|
|Canyon SLE Crew Cab 2WD||$268||$570||$596||$36||$178||$1,648||$137|
|Canyon SLE Regular Cab 4WD||$182||$306||$500||$30||$150||$1,168||$97|
|Canyon SLE Crew Cab Z71 2WD||$164||$308||$424||$26||$126||$1,048||$87|
|Canyon SLT Ext Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Canyon SLE Ext Cab 4WD||$294||$488||$500||$30||$150||$1,462||$122|
|Canyon SLT Crew Cab 2WD||$310||$624||$456||$26||$136||$1,552||$129|
|Canyon SLE Ext Cab Z71 4WD||$308||$570||$596||$36||$178||$1,688||$141|
|Canyon SLE Crew Cab 4WD||$244||$394||$424||$26||$126||$1,214||$101|
|Canyon SLE Crew Cab Z71 4WD||$358||$464||$578||$34||$174||$1,608||$134|
|Canyon SLT Crew Cab 4WD||$204||$372||$500||$30||$150||$1,256||$105|
|Canyon SLT Ext Cab 4WD||$314||$464||$442||$26||$132||$1,378||$115|
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in specific location information which can raise or lower prices greatly.
Difference between full coverage and liability only rates
The example below shows the difference between GMC Canyon yearly insurance costs with liability coverage only compared to full coverage. The data is based on no accidents or driving violations, $250 deductibles, single male driver, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no set guideline for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your GMC Canyon replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.
When do I need an agent’s advice?
When it comes to choosing coverage online or from an agent, there really is no “best” method to buy coverage. Every situation is different.
For example, these questions can aid in determining whether you would benefit from professional advice.
- Will damage be repaired with OEM parts?
- Can my babysitter drive my car?
- Do I have coverage for damage caused while driving under the influence?
- How does medical payments coverage work?
- Does coverage follow the driver or the vehicle?
- Can I insure my car for more than it’s worth?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.
Local insurance agents
Some people still like to buy from a local agent and that can be a smart move The best thing about comparing insurance prices online is that drivers can save money and get the best rates and still buy from a local agent. And supporting local insurance agents is important especially in San Diego.
After completing this quick form, your information is emailed to insurance agents in San Diego who will give you quotes for your coverage. You won’t need to drive around since rate quotes are delivered to you directly. You can find better rates without the usual hassles of price shopping. If you need to compare prices from a particular provider, just go to their quote page and fill out their quote form.
Is an exclusive or independent auto insurance agent right for you?
If you need to find a reliable insurance agency, there are two types of agencies from which to choose. Insurance agencies in San Diego can be categorized as either exclusive or independent.
Independent Agencies or Brokers
These type of agents are not employed by one company and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally and the insured can keep the same agent. When comparing rate quotes, it’s recommended you include at a minimum one independent agency to maximize your price options.
Below is a list of independent insurance agents in San Diego that may be able to give price quotes.
Agents in the exclusive channel are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are highly trained on their products and sales techniques and that enables them to sell even at higher rates.
Listed below are exclusive insurance agents in San Diego willing to provide rate quotes.
Finding the right auto insurance agent is decision based upon more than just the bottom line cost. Any good agent in San Diego should know the answers to these questions.
- How many companies do they write for?
- Does the company have a local claim office in San Diego?
- Is the agency active in community causes in San Diego?
- Is insurance their full-time profession?
- Do they offer accident forgiveness?
- Will their companies depreciate repairs to your car based on the mileage?