How long has it been since you shopped around for low-cost GMC Canyon insurance in Fresno? If you are new to online price comparisons, you can be bewildered due to the large selection of insurance providers vying for business in Fresno.
We don’t have to point out that fact that car insurance companies don’t want policyholders to compare prices from other companies. People who compare other rates are inclined to switch companies because of the good chance of finding coverage at a more affordable price. A survey found that drivers who faithfully checked for cheaper rates saved on average $3,500 over four years compared to drivers who don’t regularly compare prices.
If finding discount rates on GMC Canyon insurance in Fresno is the reason you’re here, then learning about how to get price quotes and compare cheaper coverage can make the process less intimidating.
When quoting insurance, remember that comparing more rates from different companies will increase your chances of finding a lower rate than you’re paying now. Not every company provides Fresno Canyon insurance quotes over the internet, so you need to compare price estimates from them, too.
The following companies are ready to provide free rate quotes in Fresno, CA. To buy the cheapest car insurance in Fresno, CA, it’s a good idea that you get rates from several of them in order to find the cheapest rates.
Auto insurance is not optional in California
Even though Fresno Canyon insurance rates can get expensive, insuring your vehicle is required for several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, almost every bank will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your GMC at a more expensive rate and force you to reimburse them for it.
Third, insurance safeguards both your GMC Canyon and your assets. It will also provide coverage for many types of medical costs that are the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to have it repaired.
The benefits of carrying enough insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver is currently overpaying as much as $810 a year so you should quote and compare rates every year to save money.
Insurance coverage details
The price information below showcases a range of insurance prices for GMC Canyon models. Having knowledge of how insurance premiums are established can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Canyon SLE Ext Cab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Canyon SLE Ext Cab Z71 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Canyon SLE Crew Cab 2WD | $208 | $454 | $464 | $28 | $138 | $1,292 | $108 |
| Canyon SLE Regular Cab 4WD | $238 | $374 | $464 | $28 | $138 | $1,242 | $104 |
| Canyon SLE Crew Cab Z71 2WD | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Canyon SLT Ext Cab 2WD | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Canyon SLE Ext Cab 4WD | $238 | $374 | $464 | $28 | $138 | $1,242 | $104 |
| Canyon SLT Crew Cab 2WD | $238 | $536 | $464 | $28 | $138 | $1,404 | $117 |
| Canyon SLE Ext Cab Z71 4WD | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Canyon SLE Crew Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Canyon SLE Crew Cab Z71 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Canyon SLT Crew Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| Canyon SLT Ext Cab 4WD | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can revise auto insurance rates greatly.
Price comparison of only insuring for liability
The information below compares GMC Canyon insurance costs when comparing full coverage to liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.
When to switch to liability coverage only
There is no exact rule that is best for determining when to drop physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your GMC Canyon replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying your deductible. If premium cost is more than $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few cases where removing full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
These discounts can lower GMC Canyon insurance rates
Some providers don’t necessarily list every available discount very clearly, so the list below gives a summary of some of the more common and the harder-to-find discounts that you can inquire about if you buy Fresno car insurance online. If you are not receiving all the discounts possible, you could be saving more on your car insurance.
- Anti-lock Brakes – Cars that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
- Senior Citizens – Seniors may receive a small discount on rates.
- Include Life Insurance and Save – Insurance companies who offer life insurance give a lower price if you buy life insurance from them.
- Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums so long as you are claim-free for a specific time period.
- Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
- Lower Rates for Military – Being on active duty in the military could be rewarded with lower premium rates.
- Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less due to better safety requirements for new vehicles.
Discounts reduce rates, but you should keep in mind that most credits do not apply the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
The chart below visualizes the comparison of GMC Canyon auto insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, multi-car, and safe-driver discounts applied.
Car insurance companies that may offer quotes with some of the above discounts possibly include:
Before purchasing a policy, check with all companies you are considering how many discounts you can get. Savings might not be offered in every state. To choose insurance companies who offer discounts in California, click here.
Independent versus exclusive auto insurance agents
Some consumers would rather buy from a licensed agent and there is nothing wrong with that. A good thing about getting free rate quotes online is that you can obtain better rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Fresno.
To find an agent, once you fill out this simple form, the quote information is instantly submitted to insurance agents in Fresno who can give free rate quotes for your coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to you. You can find better rates without requiring a lot of work. If for some reason you want to quote rates from a specific insurance company, you would need to go to their quote page and give them your coverage information.
The difference between Fresno auto insurance agents
When researching a reliable agent, it helps to know the two types of agencies and how they can quote your rates. Agencies in Fresno are classified as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
These agents can quote rates with many companies so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If prices rise, your policy is moved internally without you having to go to a different agency. When searching for an agent, you should always check rates from a couple of independent agencies to get the best comparison. Many independent agencies also insure through companies you’ve never heard of that can offer cheaper rates than bigger companies.
Shown below is a small list of independent insurance agents in Fresno that can possibly get you free rate quotes.
- California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957 – View Map - New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map - James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel work for only one company like American Family, State Farm, and AAA. They are unable to compare rates from other companies so they have no alternatives for high prices. These agents receive a lot of sales training on their company’s products which helps them sell on service rather than price. Consumers often choose to use an exclusive agent mostly because of the brand and strong financial ratings.
Listed below are exclusive agents in Fresno that are able to give comparison quotes.
- Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 – View Map - Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 – View Map - Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165 – View Map
Finding a good insurance agency should depend on more than just a cheap price quote. Get answers to these questions too.
- If you are a high risk driver, do they have special markets for your coverage?
- Are they primarily personal or commercial lines agents in Fresno?
- Is there a 24/7 contact number?
- Do the agents have professional certifications like CPCU or CIC?
- Do they get paid more for recommending certain coverages?
- What insurance company do they write the most business with?
- Do they review policy coverages at every renewal?
How to find a good Fresno auto insurance company
Picking the best auto insurance provider is hard considering how many different companies there are to choose from in California. The ranking information shown below could help you decide which coverage providers you want to consider comparing prices from.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Compare. Compare. Compare.
Cost effective GMC Canyon insurance can be purchased online as well as from insurance agents, so you need to quote Fresno car insurance with both so you have a total pricing picture. Some insurance companies do not offer rates over the internet and these regional carriers only sell through independent insurance agents.
You just learned some good ideas how you can compare GMC Canyon insurance premium rates in Fresno. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Fresno car insurance quotes. You may even discover the biggest savings come from a small mutual company.
People who switch companies do it for any number of reasons including poor customer service, policy cancellation, lack of trust in their agent and not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
Steps to finding low-cost rates for GMC Canyon insurance in Fresno
To save the most money, the best way to get affordable GMC Canyon insurance is to regularly compare price quotes from insurance carriers that insure vehicles in Fresno.
Step 1: Take a little time to learn about how companies set rates and the measures you can take to lower rates. Many rating criteria that result in higher rates such as getting speeding tickets and a bad credit score can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple companies.
Step 3: Compare the new rate quotes to your current policy premium and determine if there is any savings. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment to the newly selected company. As soon as coverage is bound, keep your new proof of insurance paperwork in an accessible location in your vehicle.
An important note is to try to use identical coverage information on every price quote and and to compare as many companies as feasibly possible. Doing this enables the most accurate price comparison and a thorough selection of prices.
More detailed auto insurance information can be read at these sites:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Escape in Fresno? (FAQ)
- Who Has Cheap Fresno Auto Insurance for Drivers with Accidents? (FAQ)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- Who Has Affordable Fresno Car Insurance Quotes for a Kia Forte? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 70 in Fresno? (FAQ)
- Who Has Cheap Fresno Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford F-150 in Fresno? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Child Safety FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)