Find Cheaper GMC Canyon Insurance in Tucson

The preferred way to get more affordable GMC Canyon insurance in Tucson is to make a habit of comparing prices annually from providers who sell insurance in Arizona.

The critical component of shopping around is to use the same deductibles and limits on each quote and to quote with as many car insurance companies as possible. This helps ensure a fair rate comparison and many rates to choose from.

Insurance for GMC CanyonIt goes without saying that insurance companies don’t want their policyholders to compare prices. Consumers who compare rates once a year will most likely switch car insurance companies because they have a good chance of finding a more affordable policy premium. A recent survey found that drivers who faithfully checked for cheaper rates saved over $3,450 over four years as compared to drivers who never compared rates.

If finding the most affordable insurance in Tucson is your ultimate target, understanding how to shop for insurance coverage can help you succeed in finding affordable rates.

If you already have coverage, you will surely be able to cut your premiums using this information. Quoting and comparing the best-priced auto insurance in Tucson is not as difficult as people think. But Arizona drivers must understand how insurance companies compete online and use it to your advantage.

How to buy GMC Canyon insurance in Tucson

Just remember that obtaining a wide range of quotes helps you find lower pricing. Not every company does rate quotes online, so it’s necessary to compare quotes from those companies as well.

The providers in the list below are our best choices to provide price comparisons in Tucson, AZ. If your goal is to find cheap car insurance in Tucson, AZ, we recommend you visit several of them in order to get a fair rate comparison.

Coverage analysis

The rate information below covers different insurance policy prices for GMC Canyon models. Having a better understanding of how rates are determined can help guide drivers when making informed decisions.

GMC Canyon Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $188 $258 $392 $24 $118 $980 $82
Canyon SLE Ext Cab 2WD $188 $314 $392 $24 $118 $1,036 $86
Canyon SLE Ext Cab Z71 2WD $188 $314 $392 $24 $118 $1,036 $86
Canyon SLE Crew Cab 2WD $188 $314 $392 $24 $118 $1,036 $86
Canyon SLE Regular Cab 4WD $214 $258 $392 $24 $118 $1,006 $84
Canyon SLE Crew Cab Z71 2WD $214 $314 $392 $24 $118 $1,062 $89
Canyon SLT Ext Cab 2WD $214 $314 $392 $24 $118 $1,062 $89
Canyon SLE Ext Cab 4WD $214 $258 $392 $24 $118 $1,006 $84
Canyon SLT Crew Cab 2WD $214 $370 $392 $24 $118 $1,118 $93
Canyon SLE Ext Cab Z71 4WD $214 $314 $392 $24 $118 $1,062 $89
Canyon SLE Crew Cab 4WD $242 $314 $392 $24 $118 $1,090 $91
Canyon SLE Crew Cab Z71 4WD $242 $314 $392 $24 $118 $1,090 $91
Canyon SLT Crew Cab 4WD $242 $314 $392 $24 $118 $1,090 $91
Canyon SLT Ext Cab 4WD $242 $314 $392 $24 $118 $1,090 $91
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in zip code location which can modify coverage rates substantially.

Rate comparison for different deductibles

A question often asked by Tucson drivers is how high or low should comp and collision deductibles be. The rates shown below sum up the price difference when you buy lower versus higher deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

GMC Canyon insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $202 $320 $300 $18 $90 $955 $80
Canyon SLE Ext Cab 2WD $202 $390 $300 $18 $90 $1,025 $85
Canyon SLE Ext Cab Z71 2WD $202 $390 $300 $18 $90 $1,025 $85
Canyon SLE Crew Cab 2WD $202 $390 $300 $18 $90 $1,025 $85
Canyon SLE Regular Cab 4WD $232 $320 $300 $18 $90 $985 $82
Canyon SLE Crew Cab Z71 2WD $232 $390 $300 $18 $90 $1,055 $88
Canyon SLT Ext Cab 2WD $232 $390 $300 $18 $90 $1,055 $88
Canyon SLE Ext Cab 4WD $232 $320 $300 $18 $90 $985 $82
Canyon SLT Crew Cab 2WD $232 $460 $300 $18 $90 $1,125 $94
Canyon SLE Ext Cab Z71 4WD $232 $390 $300 $18 $90 $1,055 $88
Canyon SLE Crew Cab 4WD $262 $390 $300 $18 $90 $1,085 $90
Canyon SLE Crew Cab Z71 4WD $262 $390 $300 $18 $90 $1,085 $90
Canyon SLT Crew Cab 4WD $262 $390 $300 $18 $90 $1,085 $90
Canyon SLT Ext Cab 4WD $262 $390 $300 $18 $90 $1,085 $90
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GMC Canyon insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $124 $202 $300 $18 $90 $734 $61
Canyon SLE Ext Cab 2WD $124 $246 $300 $18 $90 $778 $65
Canyon SLE Ext Cab Z71 2WD $124 $246 $300 $18 $90 $778 $65
Canyon SLE Crew Cab 2WD $124 $246 $300 $18 $90 $778 $65
Canyon SLE Regular Cab 4WD $144 $202 $300 $18 $90 $754 $63
Canyon SLE Crew Cab Z71 2WD $144 $246 $300 $18 $90 $798 $67
Canyon SLT Ext Cab 2WD $144 $246 $300 $18 $90 $798 $67
Canyon SLE Ext Cab 4WD $144 $202 $300 $18 $90 $754 $63
Canyon SLT Crew Cab 2WD $144 $290 $300 $18 $90 $842 $70
Canyon SLE Ext Cab Z71 4WD $144 $246 $300 $18 $90 $798 $67
Canyon SLE Crew Cab 4WD $162 $246 $300 $18 $90 $816 $68
Canyon SLE Crew Cab Z71 4WD $162 $246 $300 $18 $90 $816 $68
Canyon SLT Crew Cab 4WD $162 $246 $300 $18 $90 $816 $68
Canyon SLT Ext Cab 4WD $162 $246 $300 $18 $90 $816 $68
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can increase or decrease premium rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $21 more each month or $252 for a full year across all GMC Canyon models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 36 months between claims, you would save money if you opt for a higher deductible.

The diagram below demonstrates how choosing different deductibles and can affect GMC Canyon yearly insurance costs for different age categories. Data assumes a single male driver, full physical damage coverage, and no discounts are applied.

Annual premiums for males compared to females in Tucson

The information below illustrates the difference between GMC Canyon insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, full coverage, $100 deductibles, single marital status, and no policy discounts are applied.

GMC Canyon full coverage rates compared to liability only

The diagram below compares GMC Canyon insurance costs when comparing full coverage to state minimum liability only. The data assumes no claims or driving citations, $250 deductibles, drivers are not married, and no discounts are factored in.

Should you pay for full coverage or liability only?

There is no specific rule to exclude full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your GMC Canyon settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying over $200 a year for full coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Why you need insurance

Despite the fact that insurance is not cheap in Tucson, buying insurance is required in Arizona but also provides important benefits.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so you should quote rates at every policy renewal to help ensure money is not being wasted.

Lower rates by qualifying for these seven discounts

Auto insurance can be pricey, but there could be significant discounts that you may not even know about. Some of these discounts will be visible when you purchase, but once in a while a discount must be specifically requested before you will receive the discount.Auto insurance discounts

As is typical with insurance, many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will help reduce your overall bill.

The information below shows the comparison of GMC Canyon premium costs with and without policy discounts. The prices are based on a female driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.

If you would like to choose from a list of providers offering auto insurance discounts in Arizona, click here.

Local Tucson insurance agencies

Many drivers still like to buy from a local agent and that is just fine! A nice benefit of price shopping on the web is you may find better rates and still choose a local agent. Buying from and supporting local agents is important particularly in Tucson.

By using this short form, the coverage information is sent to local insurance agents that can provide free Tucson car insurance quotes for your coverage. There is no reason to visit any agencies due to the fact that quote results will go immediately to your email address. Get lower rates and a licensed agent to work with. If you need to compare rates from one company in particular, you can always find their quoting web page to submit a rate quote request.

Types of car insurance agents in Tucson

If you are searching for a local agent, you need to know there are two types of insurance agents that you can select. Agencies in Tucson are considered either exclusive or independent (non-exclusive).

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent are not employed by one company and that gives them the ability to insure through lots of different companies and get you the best rates possible. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. If you are comparing auto insurance prices, you need to check rates from several independent agencies to ensure the widest selection of prices. Most also write with less well-known companies that may have much lower rates than larger companies.

Below is a list of independent agents in Tucson who may provide free price quotes.

View more Tucson agents

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive write business for a single company like Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies are highly trained in insurance sales and that allows them to sell at a higher price point. Some insured continue to buy from the same agent for years partially due to the brand legacy rather than having the cheapest rates.

The following are Tucson exclusive insurance agencies who can help you get price quotes.

View more Tucson agents

Choosing an auto insurance agent should include more criteria than just the bottom line cost. Below are some questions you should ask.

After you get positive responses to any questions you may have and the cheapest GMC Canyon insurance in Tucson quotes, it’s a good possibility that you have found an insurance agency that can be relied on to properly service your auto insurance policy. Just be aware that it’s your policy and you can cancel your coverage whenever you wish so don’t feel that you are obligated to any specific agency indefinitely.

What auto insurance coverages do you need?

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This pays for damage to your Canyon caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible on your Canyon to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like structural damage, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy higher limits.

The chart below demonstrates why low liability limits may not provide you with enough coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Canyon.

Because many people only purchase the least amount of liability that is required (which is 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Lower rates by being persistent

Consumers switch companies for any number of reasons including questionable increases in premium, unfair underwriting practices, policy non-renewal or high prices. Whatever your reason, choosing a new company is less work than it seems.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

We covered a lot of techniques to compare GMC Canyon insurance rates in Tucson. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company.

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