GMC Canyon Insurance Rates in Orlando

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Insurance for GMC CanyonIt takes a little time, but the best way to find better pricing on GMC Canyon insurance is to do a yearly price comparison from providers in Orlando.

  1. Read about what coverages are included in your policy and the steps you can take to keep rates in check. Many rating criteria that result in higher rates such as speeding tickets, careless driving and an unacceptable credit rating can be eliminated by being financially responsible and driving safely. Later in this article we will cover instructions to get cheaper coverage and find discounts that you may qualify for.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
  3. Compare the new rates to your existing rates to determine if switching companies saves money. If you can save money and switch companies, ensure there is no coverage lapse between policies.
  4. Provide written notification to your current company of your intention to cancel your existing policy. Submit a completed policy application and payment for the new coverage. Immediately keep the new proof of insurance certificate in an easily accessible location.

The most important part of this process is to try to use similar coverage information on every price quote and and to look at as many companies as you can. Doing this provides a level playing field and a thorough price selection.

A recent study revealed that most consumers kept their policy with the same company for four years or more, and approximately 40% of consumers have never shopped around. Drivers in Orlando could save themselves roughly 55% a year, but most just don't grasp the rate savings if they switched to a cheaper policy.

Car insurance providers offering competitive rate quotes in Florida

The companies shown below are our best choices to provide price comparisons in Orlando, FL. If you wish to find cheap car insurance in Orlando, FL, we recommend you visit several of them in order to find the lowest rates.

GMC Canyon insurance coverage information

The premium information displayed next highlights different coverage costs for GMC Canyon models. Being able to understand how insurance prices are formulated helps drivers make smart choices when purchasing an insurance policy.

GMC Canyon Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $284 $490 $430 $26 $128 $1,358 $113
Canyon SLE Ext Cab 2WD $284 $596 $430 $26 $128 $1,464 $122
Canyon SLE Ext Cab Z71 2WD $284 $596 $430 $26 $128 $1,464 $122
Canyon SLE Crew Cab 2WD $284 $596 $430 $26 $128 $1,464 $122
Canyon SLE Regular Cab 4WD $326 $490 $430 $26 $128 $1,400 $117
Canyon SLE Crew Cab Z71 2WD $326 $596 $430 $26 $128 $1,506 $126
Canyon SLT Ext Cab 2WD $326 $596 $430 $26 $128 $1,506 $126
Canyon SLE Ext Cab 4WD $326 $490 $430 $26 $128 $1,400 $117
Canyon SLT Crew Cab 2WD $326 $702 $430 $26 $128 $1,612 $134
Canyon SLE Ext Cab Z71 4WD $326 $596 $430 $26 $128 $1,506 $126
Canyon SLE Crew Cab 4WD $368 $596 $430 $26 $128 $1,548 $129
Canyon SLE Crew Cab Z71 4WD $368 $596 $430 $26 $128 $1,548 $129
Canyon SLT Crew Cab 4WD $368 $596 $430 $26 $128 $1,548 $129
Canyon SLT Ext Cab 4WD $368 $596 $430 $26 $128 $1,548 $129
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in zip code location which can impact prices significantly.

Rate comparison for different deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The tables below can help you understand how much more you'll pay when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

GMC Canyon insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $280 $446 $418 $24 $124 $1,317 $110
Canyon SLE Ext Cab 2WD $280 $544 $418 $24 $124 $1,415 $118
Canyon SLE Ext Cab Z71 2WD $280 $544 $418 $24 $124 $1,415 $118
Canyon SLE Crew Cab 2WD $280 $544 $418 $24 $124 $1,415 $118
Canyon SLE Regular Cab 4WD $322 $446 $418 $24 $124 $1,359 $113
Canyon SLE Crew Cab Z71 2WD $322 $544 $418 $24 $124 $1,457 $121
Canyon SLT Ext Cab 2WD $322 $544 $418 $24 $124 $1,457 $121
Canyon SLE Ext Cab 4WD $322 $446 $418 $24 $124 $1,359 $113
Canyon SLT Crew Cab 2WD $322 $640 $418 $24 $124 $1,553 $129
Canyon SLE Ext Cab Z71 4WD $322 $544 $418 $24 $124 $1,457 $121
Canyon SLE Crew Cab 4WD $364 $544 $418 $24 $124 $1,499 $125
Canyon SLE Crew Cab Z71 4WD $364 $544 $418 $24 $124 $1,499 $125
Canyon SLT Crew Cab 4WD $364 $544 $418 $24 $124 $1,499 $125
Canyon SLT Ext Cab 4WD $364 $544 $418 $24 $124 $1,499 $125
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GMC Canyon insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $228 $360 $418 $24 $124 $1,154 $96
Canyon SLE Ext Cab 2WD $228 $438 $418 $24 $124 $1,232 $103
Canyon SLE Ext Cab Z71 2WD $228 $438 $418 $24 $124 $1,232 $103
Canyon SLE Crew Cab 2WD $228 $438 $418 $24 $124 $1,232 $103
Canyon SLE Regular Cab 4WD $262 $360 $418 $24 $124 $1,188 $99
Canyon SLE Crew Cab Z71 2WD $262 $438 $418 $24 $124 $1,266 $106
Canyon SLT Ext Cab 2WD $262 $438 $418 $24 $124 $1,266 $106
Canyon SLE Ext Cab 4WD $262 $360 $418 $24 $124 $1,188 $99
Canyon SLT Crew Cab 2WD $262 $516 $418 $24 $124 $1,344 $112
Canyon SLE Ext Cab Z71 4WD $262 $438 $418 $24 $124 $1,266 $106
Canyon SLE Crew Cab 4WD $296 $438 $418 $24 $124 $1,300 $108
Canyon SLE Crew Cab Z71 4WD $296 $438 $418 $24 $124 $1,300 $108
Canyon SLT Crew Cab 4WD $296 $438 $418 $24 $124 $1,300 $108
Canyon SLT Ext Cab 4WD $296 $438 $418 $24 $124 $1,300 $108
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific Orlando garaging location which can affect insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $15 more each month or $180 every year averaged for all Canyon models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 17 months between claims, you would more than likely save some money by going with a higher deductible.

The chart below shows how different deductible levels and can affect GMC Canyon premium costs for each different age group. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Age-based auto insurance rates by gender in Orlando

The information below visualizes the comparison of GMC Canyon car insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Save a ton on GMC Canyon insurance in Orlando with these discounts

Companies don't always list every possible discount very well, so the list below contains both the well known and the harder-to-find discounts that you may qualify for.Discount car insurance

  • Memberships - Being in qualifying clubs or civic groups may earn a discount on your next renewal.
  • Save over 55 - Drivers over the age of 55 can get lower premium rates.
  • Paperwork-free - Some companies give back up to $50 for signing up digitally online.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Student Discount for Driver Training - Have your child enroll and complete driver's education in school or through a local driver safety program.
  • Smart Student Discounts - Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Low Mileage Discounts - Driving less may enable drivers to earn lower premium rates on the low mileage vehicles.

It's important to note that many deductions do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you aren't that lucky.

The information below shows the difference between GMC Canyon premium costs with and without discounts. The rates are based on a female driver, no claims or driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, safe-driver, and multi-car discounts applied.

Some of the larger companies that may include most of the discounts above include:

Check with every insurance company which credits you are entitled to. Some discounts might not apply in Orlando.

Decisions You Make Can Impact Your Insurance Premiums

Lots of things are used when pricing auto insurance. Some are obvious such as your driving record, although others are less apparent such as your credit history or your commute time. An important part of buying insurance is that you know some of the elements that aid in calculating the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower auto insurance prices.

Bad credit will cost you - Having a bad credit score is a big factor in determining what you pay for auto insurance. Therefore, if your credit rating is not that good, you could be paying less to insure your GMC Canyon by repairing your credit. Drivers with very high credit ratings tend to be more responsible and file fewer claims than drivers who have worse credit.

Save by driving safer cars - Cars with high safety ratings cost less to insure. These vehicles protect occupants better and better occupant protection means lower claim amounts which can result in lower premiums. If your GMC scored better than four stars on it may be receiving lower rates.

Pay less after the wedding - Your spouse can actually save you money on auto insurance. It usually means you are more mature and responsible and insurance companies like that married couples file fewer claims.

Lower rates with theft deterrents - Selecting a car model that has an advanced theft prevention system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.

Insurance loss data for GMC Canyon vehicles - Companies factor in insurance loss information when they calculate premium costs for each model. Models that tend to have higher number or severity of losses will cost more for coverage. The next table illustrates the collected loss data for GMC Canyon vehicles.

For each coverage category, the claim probability for all vehicles, without regard to make or model, is equal to 100. Values that are below 100 suggest a better than average loss history, while values that are above 100 point to more frequent losses or an increased probability of a larger loss.

GMC Canyon Insurance Claim Statistics
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

Compare rates but work with a local neighborhood Orlando car insurance agent

Many people just prefer to buy from a local agent and that is a smart decision Most agents can point out coverage gaps and help file insurance claims. One of the benefits of getting free rate quotes online is you may find the lowest rates and still have an agent to talk to. Putting coverage with local insurance agents is definitely important in Orlando.

Find insurance agent in OrlandoAfter filling out this simple form, the coverage information is submitted to participating agents in Orlando that can provide free Orlando car insurance quotes and help you find cheaper coverage. You never need to find an agent on your own because quoted prices will be sent straight to your inbox. In the event you want to get a price quote for a specific company, don't hesitate to navigate to their website and submit a quote form there.

If you need to find a reliable agent, there are two different agency structures and how they are slightly different. Insurance agencies are either exclusive agents or independent agents. Both can sell insurance policies, but it is important to understand the difference between them because it may have an impact on your agent selection.

Independent Insurance Agencies

Agents of this type are not restricted to one company so they can quote policies with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, the business is moved internally and you don't have to switch agencies.

If you need lower rates, you will want to get insurance quotes from multiple independent agents in order to compare the most rates. Most also have access to small regional insurance companies that many times have cheaper rates.

Shown below is a partial list of independent insurance agents in Orlando that may be able to give you competitive price quotes.

More insurance agents

Exclusive Agencies

Agents that choose to be exclusive generally can only insure with one company and some examples include State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. A lot of people use the same agent primarily because of the brand name rather than having the cheapest rates.

Below is a short list of exclusive insurance agencies in Orlando that are able to give rate quotes.

  • Jim Daniels - State Farm Insurance Agent
    4759 S Conway Rd - Orlando, FL 32812 - (407) 855-6791 - View Map
  • Bill Cordy - State Farm Insurance Agent
    2737 N Hiawassee Rd - Orlando, FL 32818 - (407) 298-9996 - View Map

  • 992 N Semoran Blvd - Orlando, FL 32807 - (407) 898-8836 - View Map

More insurance agents

Choosing the best auto insurance agent should depend on more than just a cheap price. You should also get answers to these questions.

  • Is the agency covered by Errors and Omissions coverage?
  • Is the agent CPCU or CIC certified?
  • Is working in the agency their full-time job?
  • How much training do they have in personal risk management?
  • Will your rates increase after a single accident?
  • Do you work with a CSR or direct with the agent?

One last thing about your coverage

Consumers who switch companies do it for a variety of reasons including policy non-renewal, lack of trust in their agent, poor customer service or even being labeled a high risk driver. Whatever your reason, finding a new insurance company can be easier than you think.

More affordable insurance in Orlando is attainable online in addition to many Orlando insurance agents, so get free Orlando car insurance quotes from both of them so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies provide coverage only through independent agents.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best price, but do not skimp to save money.

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