Buying budget Las Vegas GMC Canyon insurance quotes can be difficult for people who are beginners to quoting and price shopping online. With dozens of insurers available, how can people have a chance to compare them all to find better rates?

Insurance quote for GMC Canyon in Las VegasUnfortunately, a large majority of drivers kept their policy with the same company for at least four years, and practically 40% of insurance customers have never compared rates to find cheap insurance. Many drivers in America could save nearly $850 a year by just shopping around, but they just don't understand the big savings they would realize if they just switched companies.

It is always a good idea to get comparison quotes yearly due to the fact that insurance prices are variable and change quite frequently. Just because you had the best quotes on GMC Canyon insurance in Las Vegas a year ago there may be better deals available now. There is a lot of bad information regarding Canyon insurance online, but in this article, you're going to get some tested techniques to slash your insurance rates in Las Vegas.

Finding affordable coverage in Las Vegas is actually very simple if you learn how to start. Virtually every vehicle owner who wants cheaper car insurance will buy a cheaper policy. Nevertheless, Nevada car owners can benefit by having an understanding of the methods companies use to set your policy premium because it varies considerably.

When quoting auto insurance, remember that comparing more quotes helps locate a lower rate than you're paying now.

The companies in the list below can provide comparison quotes in Nevada. If multiple companies are listed, we recommend you compare several of them to find the cheapest auto insurance rates.

GMC Canyon Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $168 $266 $308 $18 $92 $852 $71
Canyon SLE Ext Cab 2WD $130 $268 $290 $18 $86 $792 $66
Canyon SLE Ext Cab Z71 2WD $128 $252 $308 $18 $92 $798 $67
Canyon SLE Crew Cab 2WD $236 $402 $404 $24 $120 $1,186 $99
Canyon SLE Regular Cab 4WD $114 $172 $290 $18 $86 $680 $57
Canyon SLE Crew Cab Z71 2WD $228 $470 $324 $20 $96 $1,138 $95
Canyon SLT Ext Cab 2WD $254 $542 $400 $24 $120 $1,340 $112
Canyon SLE Ext Cab 4WD $242 $362 $318 $18 $96 $1,036 $86
Canyon SLT Crew Cab 2WD $188 $374 $314 $18 $94 $988 $82
Canyon SLE Ext Cab Z71 4WD $238 $402 $308 $18 $92 $1,058 $88
Canyon SLE Crew Cab 4WD $160 $286 $400 $24 $120 $990 $83
Canyon SLE Crew Cab Z71 4WD $184 $310 $416 $24 $124 $1,058 $88
Canyon SLT Crew Cab 4WD $298 $494 $416 $24 $124 $1,356 $113
Canyon SLT Ext Cab 4WD $268 $402 $308 $18 $92 $1,088 $91
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific Las Vegas garaging location which can influence auto insurance rates noticeably.

An analysis of deductible level

One frequently asked question is how low should you set your deductibles. The comparisons below outline the rate differences when you choose different policy deductibles. The first table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

GMC Canyon insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $208 $330 $308 $18 $92 $981 $82
Canyon SLE Ext Cab 2WD $208 $402 $308 $18 $92 $1,053 $88
Canyon SLE Ext Cab Z71 2WD $208 $402 $308 $18 $92 $1,053 $88
Canyon SLE Crew Cab 2WD $208 $402 $308 $18 $92 $1,053 $88
Canyon SLE Regular Cab 4WD $238 $330 $308 $18 $92 $1,011 $84
Canyon SLE Crew Cab Z71 2WD $238 $402 $308 $18 $92 $1,083 $90
Canyon SLT Ext Cab 2WD $238 $402 $308 $18 $92 $1,083 $90
Canyon SLE Ext Cab 4WD $238 $330 $308 $18 $92 $1,011 $84
Canyon SLT Crew Cab 2WD $238 $472 $308 $18 $92 $1,153 $96
Canyon SLE Ext Cab Z71 4WD $238 $402 $308 $18 $92 $1,083 $90
Canyon SLE Crew Cab 4WD $268 $402 $308 $18 $92 $1,113 $93
Canyon SLE Crew Cab Z71 4WD $268 $402 $308 $18 $92 $1,113 $93
Canyon SLT Crew Cab 4WD $268 $402 $308 $18 $92 $1,113 $93
Canyon SLT Ext Cab 4WD $268 $402 $308 $18 $92 $1,113 $93
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GMC Canyon insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $168 $266 $308 $18 $92 $852 $71
Canyon SLE Ext Cab 2WD $168 $324 $308 $18 $92 $910 $76
Canyon SLE Ext Cab Z71 2WD $168 $324 $308 $18 $92 $910 $76
Canyon SLE Crew Cab 2WD $168 $324 $308 $18 $92 $910 $76
Canyon SLE Regular Cab 4WD $194 $266 $308 $18 $92 $878 $73
Canyon SLE Crew Cab Z71 2WD $194 $324 $308 $18 $92 $936 $78
Canyon SLT Ext Cab 2WD $194 $324 $308 $18 $92 $936 $78
Canyon SLE Ext Cab 4WD $194 $266 $308 $18 $92 $878 $73
Canyon SLT Crew Cab 2WD $194 $382 $308 $18 $92 $994 $83
Canyon SLE Ext Cab Z71 4WD $194 $324 $308 $18 $92 $936 $78
Canyon SLE Crew Cab 4WD $218 $324 $308 $18 $92 $960 $80
Canyon SLE Crew Cab Z71 4WD $218 $324 $308 $18 $92 $960 $80
Canyon SLT Crew Cab 4WD $218 $324 $308 $18 $92 $960 $80
Canyon SLT Ext Cab 4WD $218 $324 $308 $18 $92 $960 $80
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific Las Vegas garaging location which can increase or decrease prices substantially.

Based on these figures, using a $250 deductible will cost you about $12 more each month or $144 a year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would most likely save money if you elect the higher deductible. The table below shows how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $77
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to be aware of is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You need access to more funds in the event you have to pay the deductible to have repairs made.

Annual premiums for males versus females in Las Vegas

The illustration below visualizes the comparison of GMC Canyon auto insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied.

Policy deductibles

The information below demonstrates how deductibles and can change GMC Canyon insurance rates for different age groups. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.

Do you qualify for discounts on GMC Canyon insurance in Las Vegas?

Companies offering auto insurance don't list every discount they offer in an easy-to-find place, so we took the time to find a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Las Vegas car insurance online.Insurance discounts

While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies aren't that generous.

A list of insurance companies and some of the premium reductions they offer are shown below.

Before buying, ask all companies you are considering which credits you are entitled to. Discounts might not apply in Las Vegas. To see a list of insurers that offer discounts in Nevada, click here.

Learn How to Quote Car Insurance More Affordably

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help determine your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to lower premium levels.

Discounts for GPS tracking and theft deterrents - Owning a car with anti-theft technology or alarm system can save you some money. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.

Single drivers take more risk - Getting married can get you a discount on your car insurance bill. Having a spouse means you're more mature and responsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Fewer miles means better premiums - The more miles you rack up on your GMC in a year the more you will pay for car insurance. Most companies calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than those that get driven frequently. A policy that improperly rates your Canyon is just wasting money. Ask your agent if your car insurance policy is showing the proper vehicle usage.

Which gender costs less? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that females are better drivers. They both are responsible for at-fault accidents at about the same rate, but the males have accidents that have higher claims. They also have more aggressive citations such as DWI and reckless driving.

High performance vehicles cost more to insure - The performance of the car or truck you drive makes a significant difference in your rates. Because the GMC Canyon is considered a pickup truck, insuring your vehicle will cost similar in price than the average rate where you live in Las Vegas. Economy passenger vehicles normally have pretty low rates, but the final cost of insurance is determined by many other factors.

Gaps in coverage mean higher premiums - Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher rates, getting caught without coverage can result in a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with the Nevada department of motor vehicles.

Liability coverage claims can be big - Your car insurance policy's liability coverage provides coverage when you are responsible for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

Drivers with high credit save on car insurance - Credit history can be a huge factor in calculating your car insurance rates. People that have very high credit ratings tend to be more responsible than drivers with worse credit. So if your credit score is low, you could pay less to insure your GMC Canyon by improving your credit score.

GMC Canyon insurance loss statistics - Insurers include the past claim trends for vehicles when they file their rates in each state. Vehicles that the statistics show to have a trend towards higher claims will have increased rates.

The table below outlines the actual insurance loss data for GMC Canyon vehicles. For each coverage type, the loss probability for all vehicles, regardless of make or model, is a value of 100. Values under 100 suggest losses that are better than average, while percentage numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

GMC Canyon Insurance Claim Statistics

Vehicle 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You may need advice from an agent

Some consumers prefer to buy from a licensed agent and that is a smart decision One of the benefits of comparing insurance online is the fact that drivers can get cheaper premium rates and still choose a local agent.

Insurance agents in Las VegasBy using this quick form, your information is submitted to companies in Las Vegas who want to provide quotes for your insurance coverage. You won't even need to search for an agent due to the fact that quote results will go directly to your email. You can most likely find cheaper rates AND a local agent. If you have a need to get a price quote from a specific company, just navigate to their website and fill out their quote form.

Finding a good provider shouldn't rely on just the premium amount. Here are some questions you should ask.

Listed below are Las Vegas insurers that may be willing to give comparison quotes for GMC Canyon insurance in Las Vegas.

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Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the companies try to convey promises that people will save if you change your auto insurance coverage to their company. How does every auto insurance company offer drivers better rates? Just pay attention to how they say it.

All the different companies have specific criteria for the type of driver that makes them money. For example, a profitable customer might be over the age of 40, has had continuous coverage, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest prices in Las Vegas and as a result will probably pay quite a bit less when switching companies.

Insureds who do not meet this stringent profile may receive higher premium rates with the end result being the customer buying from someone else. The wording the ads use say "drivers who switch" not "everyone that quotes" can save as much as they claim. That's why insurance companies can make claims that they all have the best premium rates. This really emphasizes why it is so important to compare as many free Las Vegas car insurance quotes as you can. You cannot predict with any certainty which company will be your best fit.

Compare. Compare. Compare.

When you buy Las Vegas car insurance online, never buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage at a price you can afford and still be able to protect your assets.

Insureds leave their current company for many reasons like questionable increases in premium, denial of a claim, unfair underwriting practices and even not issuing a premium refund. It doesn't matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

Throughout this article, we presented quite a bit of information on how to lower your GMC Canyon insurance prices in Las Vegas. The key thing to remember is the more providers you compare, the higher your chance of finding affordable GMC Canyon insurance quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies.

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