Cheapest Atlanta GMC Canyon Insurance

Would you like to stop overpaying and find more competitive GMC Canyon insurance in Atlanta? Have you had enough of sacrificing other expenses to buy insurance? You are no different than many other Georgia consumers.

Sadly, nearly 70% of customers have remained with the same insurance company for well over three years, and nearly 40% of drivers have never even shopped around for affordable coverage. Consumers in Georgia could save nearly $960 a year by just comparing rate quotes, but most tend to underestimate the benefits if they just switched companies.

Due to the increasing number of insurance providers from which to choose, it is hard for the average consumer to locate a more affordable insurance company.

You should make it a habit to get comparison quotes at least once a year because prices change frequently. Even if you think you had the best price on GMC Canyon insurance in Atlanta at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.

Finding the cheapest insurance coverage in Atlanta can initially seem challenging. If you have coverage now, you will be able to find better prices using these methods. But Georgia car owners should learn the methods companies use to calculate their prices because it can help you find the best coverage.

When price shopping your coverage, having more price comparisons will improve the odds of getting more affordable rates.

The companies in the list below offer price quotes in Atlanta, GA. If multiple providers are shown, we suggest you click on several of them to get the cheapest price.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in zip code location which can decrease or increase price quotes substantially.

Safe drivers Atlanta pay cheaper rates

The diagram below illustrates how speeding tickets and at-fault collisions can influence GMC Canyon annual premium costs for different age groups of insureds. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

GMC Canyon full coverage rates compared to liability only

The diagram below illustrates the comparison of GMC Canyon auto insurance rates with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving violations, $1,000 deductibles, single female driver, and no additional discounts are factored in.

When to stop buying full coverage

There isn’t a written rule to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your GMC Canyon book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying the physical damage deductible. If premium cost is more than $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.

How high should deductibles be?

One common question asked by Atlanta drivers is the level to set your comp and collision deductibles. The premium rates below lay out the differences in premium rates when you buy lower versus higher policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

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

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $26 more each month or $312 each year than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claims, you would most likely save money by going with a higher deductible.

Lower-cost Atlanta auto insurance quotes with discounts

Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that you may not even know about. Some discounts apply automatically when you purchase, but some need to be asked about prior to getting the savings.

• Telematics Data Discounts – Insureds that choose to allow their auto insurance company to study when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
• Paperwork-free – A few auto insurance companies provide a small discount for completing your application online.
• Safety Course Discount – Taking part in a course teaching safe driver skills could cut 5% off your bill and make you a better driver.
• Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with the same auto insurance company can get a discount on all vehicles.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class in school.
• Claim-Free Discount – Atlanta drivers who stay claim-free can earn big discounts as opposed to policyholders that have many claims.
• Accident Waiver – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.

Consumers should know that some of the credits will not apply to the whole policy. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts will help lower the amount you pay for coverage.

A list of companies and a partial list of their discounts can be read below.

• Progressive offers premium reductions for good student, homeowner, continuous coverage, online quote discount, and multi-policy.
• AAA may have discounts that include education and occupation, anti-theft, good driver, good student, AAA membership discount, multi-policy, and pay-in-full.
• Farmers Insurance policyholders can earn discounts including good student, early shopping, pay in full, electronic funds transfer, and switch companies.
• GEICO offers discounts including daytime running lights, seat belt use, military active duty, anti-lock brakes, defensive driver, five-year accident-free, and multi-policy.
• Esurance includes discounts for homeowner, anti-lock brakes, good student, paid-in-full, Pac-12 alumni, and claim free.
• SAFECO has discounts for safe driver, bundle discounts, teen safe driver, drive less, anti-theft, and accident prevention training.
• State Farm may offer discounts for passive restraint, safe vehicle, good driver, student away at school, and driver’s education.

Check with every insurance company which credits you are entitled to. Some discounts might not apply in Atlanta. For a list of providers that offer discounts in Georgia, click this link.

Informed Drivers Can Save Money

Many factors are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not as apparent like your continuous coverage or your vehicle rating.

• Bundle policies and save – Most major companies will award lower prices to people who consolidate policies with them in the form of a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, consumers should still compare other company rates to help guarantee you have the best rates. Consumers may save even more by buying insurance from more than one company.
• Cars with good safety ratings mean better car insurance rates – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and fewer serious injuries means your insurance company pays less which can result in lower premiums.
• Good credit means lower rates – Having a bad credit score is a big factor in your rate calculation. If your credit can be improved, you may save money insuring your GMC Canyon by improving your credit score. Consumers who have good credit tend to be more responsible as compared to drivers with poor credit.
• More performance means more cost – The make and model of the car, truck or SUV you own makes a substantial difference in the rate you pay. Because the GMC Canyon falls in the pickup truck class, insuring your vehicle will cost similar in price when compared to the average rates in Atlanta. Lower cost passenger models normally have pretty low rates, but your final cost has many other factors.
• Insurance losses for a GMC Canyon – Companies factor in historical loss data to calculate a rate that will offset any claims. Models that the statistics show to have a higher amount or frequency of claims will have higher premium rates. The table below shows the actual insurance loss data for GMC Canyon vehicles.

  For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers under 100 suggest a positive loss record, while percentage values above 100 indicate more frequent claims or a tendency for losses to be larger than average.

  GMC Canyon Insurance Claim Statistics

  Vehicle 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

Compare prices but still have a local Atlanta insurance agent

A lot of people just want to get advice from a local agent and that is a personal choice. One of the great benefits of getting online price quotes is that drivers can save money and get the best rates but still work with a licensed agent.

To find an agent, once you fill out this quick form, your insurance data is instantly submitted to participating agents in Atlanta that can provide free Atlanta auto insurance quotes for your insurance coverage. There is no reason to leave your computer since price quotes are sent to your email. You can find better rates without the usual hassles of price shopping. If you have a need to get a comparison quote from a specific car insurance provider, you can always jump over to their website and fill out their quote form.

Deciding on an insurance company should include more criteria than just a cheap quote. Below are some questions you should ask.

• Does the agency have a positive business rating?
• Do they reduce claim amounts on high mileage vehicles?
• Can they give you a list of client referrals?
• Is the agency covered by Errors and Omissions coverage?
• Do the agents have professional certifications like CPCU or CIC?

If you want to use a reliable insurance agent, there are a couple of types of insurance agents that you can choose from. Insurance agencies in Atlanta may be either exclusive or independent.

Exclusive Car Insurance Agents

Exclusive agents can only place business with one company like Allstate, State Farm and Farmers Insurance. These agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive agents in Atlanta that are able to give rate quotes.

More Atlanta agents

Independent Agencies or Brokers

These agents are not required to write business for one company so they can quote policies through many different car insurance companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to do anything.

If you are comparing car insurance prices, you absolutely need to contact at a minimum one independent agency to maximize your price options.

The following is a short list of independent agents in Atlanta who can help you get price quotes.

More Atlanta agents

You may need specialized auto insurance coverage

When quoting and comparing coverage for your vehicles, there isn’t really a perfect coverage plan. You are unique.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

• What is the minimum liability in Georgia?
• How can I find cheaper teen driver insurance?
• Does my policy pay for OEM or aftermarket parts?
• Are my tools covered if they get stolen from my vehicle?
• Does liability extend to a camper or trailer?
• Does having multiple vehicles earn me a discount?
• What is PIP insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Do you really save 40% when you switch?

Popular insurance providers such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to advertise the message about savings if you just switch your policy. That’s great but how can every company charge you less for car insurance? It’s all in how they say it.

Insurance companies require specific criteria for the type of customer that earns them a profit. For instance, a profitable insured could possibly be married and over the age of 30, has never had a claim, and drives a car with an anti-theft system. A customer getting a price quote who fits those characteristics will probably get cheap car insurance rates as well as pay quite a bit less when switching companies.

Potential insureds who cannot meet the ideal profile may be forced to pay higher prices with the end result being the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” will save that much if they switch. This is how companies can truthfully state the savings. Because of these techniques, you really need to get as many free Atlanta auto insurance quotes as possible. It is impossible to predict which company will have the best GMC Canyon insurance in Atlanta.

Quote often and quote early

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage only to regret at claim time they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Lower-priced insurance in Atlanta is possible both online and from local insurance agents, so you should compare both to have the best selection. There are still a few companies who may not provide the ability to get quotes online and many times these regional carriers provide coverage only through independent agents.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, high rates after DUI convictions or even lack of trust in their agent. No matter why you want to switch, finding a new insurance company can be less work than you think.

Helpful resources

• Side Impact Crash Tests (iihs.org)
• What Insurance is Cheapest for Lyft Drivers in Atlanta? (FAQ)
• How Much are Atlanta Auto Insurance Quotes for First-time Drivers? (FAQ)
• Who Has Cheap Atlanta Car Insurance Quotes for Seniors? (FAQ)
• What Auto Insurance is Cheapest for Immigrants in Atlanta? (FAQ)
• Electronic Stability Control FAQ (iihs.org)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)