Trying to find better insurance prices for a GMC Canyon in North Carolina can normally be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to buy insurance and you need to know the quickest way to get price quotes for your GMC and get the best price possible from Raleigh insurance agents and online providers.
You should take the time to price shop coverage periodically because insurance rates are variable and change quite frequently. Even if you think you had the best premium rates on GMC Canyon insurance in Raleigh last year you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to the best way to buy cheaper GMC Canyon insurance in Raleigh.
If you're already insured or need new coverage, take advantage of these tips to find better prices without reducing coverage. Obtaining price quotes for the cheapest policy in Raleigh is not as difficult as people think. Shoppers just have to understand the most time-saving way to compare insurance rates from many different companies.
Affordable companies for GMC Canyon insurance
The companies shown below are ready to provide price comparisons in North Carolina. If multiple companies are shown, we recommend you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Canyon SLE Regular Cab 2WD||$80||$142||$240||$14||$72||$548||$46|
|Canyon SLE Ext Cab 2WD||$100||$200||$254||$16||$76||$646||$54|
|Canyon SLE Ext Cab Z71 2WD||$160||$366||$324||$20||$96||$966||$81|
|Canyon SLE Crew Cab 2WD||$182||$446||$302||$18||$90||$1,038||$87|
|Canyon SLE Regular Cab 4WD||$166||$262||$282||$16||$84||$810||$68|
|Canyon SLE Crew Cab Z71 2WD||$150||$276||$240||$14||$72||$752||$63|
|Canyon SLT Ext Cab 2WD||$122||$222||$240||$14||$72||$670||$56|
|Canyon SLE Ext Cab 4WD||$118||$168||$250||$14||$74||$624||$52|
|Canyon SLT Crew Cab 2WD||$214||$470||$336||$20||$100||$1,140||$95|
|Canyon SLE Ext Cab Z71 4WD||$166||$334||$282||$16||$84||$882||$74|
|Canyon SLE Crew Cab 4WD||$202||$262||$326||$20||$98||$908||$76|
|Canyon SLE Crew Cab Z71 4WD||$196||$322||$336||$20||$100||$974||$81|
|Canyon SLT Crew Cab 4WD||$134||$204||$250||$14||$74||$676||$56|
|Canyon SLT Ext Cab 4WD||$242||$386||$250||$14||$74||$966||$81|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific zip code location which can affect premiums substantially.
Impact of violations and accidents on rates in Raleigh
The diagram below shows how traffic citations and at-fault claims drive up GMC Canyon auto insurance costs for different age groups of insureds. The data is based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Lower-cost GMC Canyon insurance quotes in Raleigh
Some companies don't always list every policy discount in a way that's easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.
- Seat Belts Save more than Lives - Buckling up and requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
- Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Passive Restraint Discount - Options like air bags or automatic seat belts can receive discounts of 25 to 30%.
- Claim Free - Insureds who avoid accidents and claims are rewarded with significantly better rates on Raleigh auto insurance quote in comparison to drivers who are more careless.
- Discount for Home Ownership - Owning your own home or condo can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
- Drivers Education - Have your child participate in a local driver's education class as it will make them better drivers and lower rates.
- Distant Student - Youth drivers who are attending college and don't have a car may be insured at a cheaper rate.
- Smart Student Discounts - Maintaining excellent grades may save as much as 25% on a Raleigh auto insurance quote. You can use this discount normally up until you turn 25.
A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will bring down your policy premium.
A partial list of companies that possibly offer some of the above discounts include:
It's a good idea to ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts might not be offered in every state. If you would like to see a list of insurance companies that offer many of these discounts in Raleigh, click here.
Which policy gives me the best coverage?
When quoting and comparing coverage for your personal vehicles, there is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine whether you may require specific advice.
- Can my teen drive my company car?
- How high should my medical payments coverage be?
- I have good health insurance, so how much medical payments coverage do I need?
- Which companies will insure me after a DUI?
- Do I need to call my car insurance company before buying a new car?
- Do I have coverage if my license is suspended?
- Does insurance cover damages from a DUI accident?
- Do I pay less for low miles?
- Am I better off with higher deductibles on my GMC Canyon?
- At what point should I drop full coverage?
If you can't answer these questions, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.
Auto insurance agents can help
Certain consumers would rather get advice from a local agent and there is nothing wrong with that. Good insurance agents can answer important questions and help you file claims. An additional benefit of getting online price quotes is you can get lower rates and still have an agent to talk to.
After completing this form (opens in new window), your information is immediately sent to insurance agents in Raleigh who will return price quotes for your insurance coverage. There is no reason to do any legwork due to the fact that quote results will go straight to your inbox. If you need to get a price quote from a particular provider, don't hesitate to find their quoting web page and fill out the quote form the provide.
Choosing an provider requires you to look at more than just the price. Agents should be asked these questions:
- Do they have cheaper tiers of coverage?
- Will they make sure you get an adequate claim settlement?
- How does the company pay claims for a total loss?
- Is their price quote a firm figure or are their hidden costs?
- Which insurance companies are they affiliated with?
- When do they do policy reviews?
Two types of Raleigh auto insurance agents
If you are wanting to find a reliable insurance agency, it can be helpful to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance policy providers can be categorized as either exclusive or independent. Either one can properly insure your vehicles, but it's a good idea to understand the difference between them because it can impact your agent selection.
Exclusive Insurance Agencies
These type of agents can only place business with one company and some examples include AAA, Allstate, and State Farm. They generally cannot compare rates from other companies so they really need to provide good service. These agents are highly trained on what they offer which helps overcome the inability to quote other rates. Consumers sometimes use the same agent partially due to the brand rather than having the cheapest rates.
The following is a short list of exclusive insurance agencies in Raleigh willing to provide rate quotes.
- Gina Tickle - State Farm Insurance Agent
8212 Creedmoor Rd #101 - Raleigh, NC 27613 - (919) 847-9774 - View Map
- Allstate Insurance: Brandon Reece
9204 Falls of Neuse Rd Ste 100 - Raleigh, NC 27615 - (919) 329-2580 - View Map
- Allstate Insurance: Thomas Walters
5620 Six Forks Rd Ste 103 - Raleigh, NC 27609 - (919) 848-8105 - View Map
Independent Agents (or Brokers)
These type of agents do not sell for just one brand and that allows them to write policies with a variety of different insurance companies and find you the best rates. If prices rise, your agent can switch companies and you stay with the same agent. If you are comparing insurance prices, you definitely need to compare quotes from independent agents to get the most accurate price comparison. They often place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.
Below are Raleigh independent agents that can give you rate quotes.
- Durfey-Hoover-Bowden Insurance Agency
3741 Benson Dr - Raleigh, NC 27609 - (919) 790-6415 - View Map
- Clark Insurance Agency
4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map
- J. Miller Lawson Agency - Nationwide Insurance
9360 Falls of Neuse Rd #201 - Raleigh, NC 27615 - (919) 676-5695 - View Map
Car insurance coverage specifics
Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your GMC Canyon.
Because many people only purchase the least amount of liability that is required (North Carolina limits are 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Insurance for medical payments
Med pay and PIP coverage reimburse you for bills for prosthetic devices, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a broken windshield, theft and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Collision insurance covers damage to your Canyon resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like driving through your garage door, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Canyon to get cheaper collision coverage.
Auto liability insurance
This will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 30/60/25 which means $30,000 in coverage for each person's injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like pain and suffering, repair costs for stationary objects, medical expenses, medical services and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford. North Carolina state minimum liability requirements are 30/60/25 but drivers should carry better liability coverage.
Compare insurance prices regularly to save
When getting Raleigh auto insurance quotes online, it's not a good idea to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability coverage limits to discover at claim time that they should have had better coverage. Your goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.
Insureds switch companies for a variety of reasons including high prices, not issuing a premium refund, being labeled a high risk driver and delays in responding to claim requests. It doesn't matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
Budget-friendly insurance in Raleigh is attainable both online in addition to many Raleigh insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.
For more information, take a look at these articles:
- Collision Coverage (Liberty Mutual)
- What Auto Insurance is Cheapest for a Toyota Tundra in North Carolina? (FAQ)
- How Much are North Carolina Auto Insurance Quotes for Veterans? (FAQ)
- What is the Best Cheap Auto Insurance in Rocky Mount, NC? (FAQ)
- Who Has the Cheapest North Carolina Car Insurance for Police Officers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in North Carolina? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a School Permit in North Carolina? (FAQ)
- What Insurance is Cheapest for High Risk Drivers in North Carolina? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)