Insurance quote for GMC Canyon in Fort CollinsTrying to find cheaper GMC Canyon insurance in Fort Collins might be hard for drivers who are beginners to buying insurance online. With so many online companies, it can turn into a difficult mission to compare prices in Colorado on GMC Canyon insurance.

Amazingly, the vast majority of consumers kept buying from the same company for well over three years, and almost half have never quoted insurance rates at all. Fort Collins drivers could pocket 35% a year just by getting comparison quotes, but they mistakenly think it's difficult to compare other rate quotes.

It's a great practice to get comparison quotes before your next renewal because prices are usually higher with each renewal. Even if you think you had the lowest price on GMC Canyon insurance in Fort Collins a year ago you can probably find a better rate now. Forget all the misinformation about insurance because you're about to learn the fastest and easiest way to eliminate unnecessary coverages and save money on GMC Canyon insurance in Fort Collins.

If you are already insured, you will surely be able to get lower rates using the techniques presented in this article. This article's goal is to help you learn the best way to buy inexpensive auto insurance and some tips to save money. But Colorado consumers must understand how big insurance companies compete online because rates fluctuate considerably.

When price shopping your coverage, comparing all the rates in your area helps increase your odds of locating a lower rate. Some companies don't provide online Fort Collins Canyon insurance quotes, so it's recommended that you also compare rates from the smaller companies as well.

The following companies have been selected to offer price comparisons in Fort Collins, CO. If multiple providers are shown, we suggest you get rates from several of them in order to get a fair rate comparison.

GMC Canyon Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $206 $382 $338 $20 $100 $1,046 $87
Canyon SLE Ext Cab 2WD $270 $458 $460 $28 $138 $1,354 $113
Canyon SLE Ext Cab Z71 2WD $204 $448 $368 $22 $110 $1,152 $96
Canyon SLE Crew Cab 2WD $150 $314 $338 $20 $100 $922 $77
Canyon SLE Regular Cab 4WD $164 $272 $426 $26 $128 $1,016 $85
Canyon SLE Crew Cab Z71 2WD $246 $420 $362 $22 $108 $1,158 $97
Canyon SLT Ext Cab 2WD $344 $546 $460 $28 $138 $1,516 $126
Canyon SLE Ext Cab 4WD $272 $376 $352 $20 $106 $1,126 $94
Canyon SLT Crew Cab 2WD $260 $630 $396 $24 $118 $1,428 $119
Canyon SLE Ext Cab Z71 4WD $234 $448 $368 $22 $110 $1,182 $99
Canyon SLE Crew Cab 4WD $310 $502 $362 $22 $108 $1,304 $109
Canyon SLE Crew Cab Z71 4WD $350 $458 $460 $28 $138 $1,434 $120
Canyon SLT Crew Cab 4WD $264 $472 $396 $24 $118 $1,274 $106
Canyon SLT Ext Cab 4WD $298 $448 $358 $22 $108 $1,234 $103
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Yearly auto insurance costs for men versus women

The diagram below illustrates the difference between GMC Canyon insurance prices for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.

Can higher deductibles save money?

A question often asked by Fort Collins drivers is how high should the physical damage coverage deductibles be. The premium rates below can help illustrate how much more you'll pay of buying low and high policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

GMC Canyon insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $264 $448 $352 $20 $106 $1,215 $101
Canyon SLE Ext Cab 2WD $264 $546 $352 $20 $106 $1,313 $109
Canyon SLE Ext Cab Z71 2WD $264 $546 $352 $20 $106 $1,313 $109
Canyon SLE Crew Cab 2WD $264 $546 $352 $20 $106 $1,313 $109
Canyon SLE Regular Cab 4WD $302 $448 $352 $20 $106 $1,253 $104
Canyon SLE Crew Cab Z71 2WD $302 $546 $352 $20 $106 $1,351 $113
Canyon SLT Ext Cab 2WD $302 $546 $352 $20 $106 $1,351 $113
Canyon SLE Ext Cab 4WD $302 $448 $352 $20 $106 $1,253 $104
Canyon SLT Crew Cab 2WD $302 $644 $352 $20 $106 $1,449 $121
Canyon SLE Ext Cab Z71 4WD $302 $546 $352 $20 $106 $1,351 $113
Canyon SLE Crew Cab 4WD $342 $546 $352 $20 $106 $1,391 $116
Canyon SLE Crew Cab Z71 4WD $342 $546 $352 $20 $106 $1,391 $116
Canyon SLT Crew Cab 4WD $342 $546 $352 $20 $106 $1,391 $116
Canyon SLT Ext Cab 4WD $342 $546 $352 $20 $106 $1,391 $116
Get Your Own Custom Quote Go
GMC Canyon insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $146 $236 $352 $20 $106 $860 $72
Canyon SLE Ext Cab 2WD $146 $288 $352 $20 $106 $912 $76
Canyon SLE Ext Cab Z71 2WD $146 $288 $352 $20 $106 $912 $76
Canyon SLE Crew Cab 2WD $146 $288 $352 $20 $106 $912 $76
Canyon SLE Regular Cab 4WD $168 $236 $352 $20 $106 $882 $74
Canyon SLE Crew Cab Z71 2WD $168 $288 $352 $20 $106 $934 $78
Canyon SLT Ext Cab 2WD $168 $288 $352 $20 $106 $934 $78
Canyon SLE Ext Cab 4WD $168 $236 $352 $20 $106 $882 $74
Canyon SLT Crew Cab 2WD $168 $340 $352 $20 $106 $986 $82
Canyon SLE Ext Cab Z71 4WD $168 $288 $352 $20 $106 $934 $78
Canyon SLE Crew Cab 4WD $190 $288 $352 $20 $106 $956 $80
Canyon SLE Crew Cab Z71 4WD $190 $288 $352 $20 $106 $956 $80
Canyon SLT Crew Cab 4WD $190 $288 $352 $20 $106 $956 $80
Canyon SLT Ext Cab 4WD $190 $288 $352 $20 $106 $956 $80
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific Fort Collins garaging location which can change coverage rates significantly.

Based on this data, using a $100 deductible costs roughly $34 more each month or $408 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 26 months between claims, you would probably be better off if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $111
Average monthly premium for $1,000 deductibles (subtract): - $77
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Drive safe and save

The illustration below illustrates how speeding tickets and at-fault fender-benders can drive up GMC Canyon premium costs for each different age group. The data is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Car insurance protects more than just your car

Even though it's not necessarily cheap to insure a GMC in Fort Collins, paying for car insurance may be required and benefits you in several ways.

The benefits of insuring your car outweigh the cost, especially for larger claims. Today the average American driver is overpaying more than $865 each year so shop around at every renewal to save money.

The GMC Canyon Insurance Price Equation

Many different elements are part of the calculation when premium rates are determined. Some are pretty understandable like your driving record, but other criteria are more transparent like your continuous coverage or how safe your car is.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

You may qualify for discounts for GMC Canyon insurance in Fort Collins

Insurance is easily one of your largest bills, but you can get discounts to reduce the price significantly. Certain credits will be shown at quote time, but less common discounts must be asked about before being credited.Discount insurance

It's important to understand that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, it's just not the way it works.

To view insurance companies with the best discounts in Colorado, click this link.

Insurance agent or online?

A lot of people would prefer to talk to an insurance agent and that can be a great decision An additional benefit of comparing car insurance online is you can get cheap rate quotes and also buy local. Buying from and supporting neighborhood insurance agencies is important particularly in Fort Collins.

Fort Collins insurance agentsAfter completing this form (opens in new window), your information is instantly submitted to local insurance agents who want to provide quotes for your car insurance coverage. It's much easier because you don't need to contact any agents because quoted prices will be sent to you instantly. You can find better rates without having to waste a lot of time. If you need to get a comparison quote from a specific car insurance provider, just go to their quote page and fill out the quote form the provide.

Deciding on an provider requires you to look at more than just a cheap price. These are some valid questions you should ask.

One last note

Budget-conscious GMC Canyon insurance can be bought online as well as from insurance agents, so you need to shop Fort Collins car insurance with both to get a complete price analysis. Some companies may not provide online rate quotes and most of the time these small insurance companies sell through independent insurance agents.

In this article, we presented many tips how you can get a better price on GMC Canyon insurance in Fort Collins. It's most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding affordable GMC Canyon insurance quotes. You may even discover the best price on car insurance is with the least-expected company.

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, delays in paying claims or even high prices. It doesn't matter why you want to switch choosing a new insurance company can be pretty painless.

Additional car insurance information can be read on the following sites: