We don’t have to point out that fact that insurance companies don’t want you to compare rates. People who perform rate comparisons are likely to switch car insurance companies because there is a great chance of finding lower rate quotes. A recent study showed that drivers who shopped around every year saved about $3,500 over four years compared to drivers who never shopped around for lower prices.
If finding budget-friendly auto insurance in Scottsdale is the reason you’re reading this, then understanding the best ways to shop for insurance premiums can make it easier to shop your coverage around.
The preferred way to find cheaper quotes for GMC Canyon insurance is to compare prices at least once a year from companies who sell auto insurance in Scottsdale.
- Try to comprehend the different coverages in a policy and the measures you can take to keep rates low. Many rating criteria that are responsible for high rates such as tickets, at-fault accidents, and a low credit score can be controlled by paying attention to minor details.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from many different companies.
- Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
- Notify your company or agent of your decision to cancel your current auto insurance policy and submit the application along with any required down payment to your new carrier. When you receive it, safely store the proof of insurance certificate in an accessible location in your vehicle.
An important part of this process is to use the same amount of coverage on each price quote and and to get quotes from as many companies as you can. This guarantees an apples-to-apples comparison and a complete price analysis.
Score discounts to get cheaper Scottsdale car insurance quotes
Auto insurance companies do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of both the well known and also the lesser-known credits available to bring down your rates.
- Senior Citizens – Drivers that qualify as senior citizens are able to get a small decrease in premiums.
- Own a Home – Just being a homeowner can save you money because owning a home requires personal responsibility.
- Buy New and Save – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
- ABS Brakes – Cars and trucks equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
- Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
- College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
- Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
- Accident-Free Discounts – Drivers who don’t have accidents get the best car insurance rates as opposed to frequent claim filers.
- Multiple Cars – Drivers who insure several vehicles with one company can reduce the rates for all insured vehicles.
- Policy Bundle Discount – If you can combine your home and auto policy with the same company you may earn nearly 15% which can help you find low cost GMC Canyon insurance.
As a footnote on discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The diagram below illustrates the difference between GMC Canyon insurance prices with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona 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 safe-driver, multi-policy, homeowner, claim-free, multi-car, and marriage discounts applied.
Some companies that may include these benefits are:
If you need lower rates, check with every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not be offered in Scottsdale.
Most of the larger companies provide coverage prices on the web. Obtaining pricing for GMC Canyon insurance in Scottsdale can be done by anyone as you simply enter your personal and coverage information into the quote form. Upon sending the form, the quote system gets reports for credit and driving violations and provides a quote based on these factors.
The ability to get online rates for GMC Canyon insurance in Scottsdale streamlines rate comparisons, and it is important to get many rate quotes if you are searching for the most affordable insurance rates.
To find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter the limits and deductibles identical to your current policy. Doing this assures you will be getting rate comparison quotes for similar coverage.
The companies shown below provide free rate quotes in Arizona. To buy cheap car insurance in Arizona, we recommend you click on several of them to get the lowest price.
GMC Canyon coverage statistics
The table below highlights different insurance prices for GMC Canyon models. Having insight into how insurance premiums are calculated can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $194 | $362 | $390 | $24 | $116 | $1,086 | $91 |
| Canyon SLE Ext Cab 2WD | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Canyon SLE Ext Cab Z71 2WD | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Canyon SLE Crew Cab 2WD | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Canyon SLE Regular Cab 4WD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Canyon SLE Crew Cab Z71 2WD | $222 | $442 | $390 | $24 | $116 | $1,194 | $100 |
| Canyon SLT Ext Cab 2WD | $222 | $442 | $390 | $24 | $116 | $1,194 | $100 |
| Canyon SLE Ext Cab 4WD | $222 | $362 | $390 | $24 | $116 | $1,114 | $93 |
| Canyon SLT Crew Cab 2WD | $222 | $520 | $390 | $24 | $116 | $1,272 | $106 |
| Canyon SLE Ext Cab Z71 4WD | $222 | $442 | $390 | $24 | $116 | $1,194 | $100 |
| Canyon SLE Crew Cab 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Canyon SLE Crew Cab Z71 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Canyon SLT Crew Cab 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Canyon SLT Ext Cab 4WD | $250 | $442 | $390 | $24 | $116 | $1,222 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle location which can increase or decrease insurance rates noticeably.
Comparison of policy deductibles
When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The figures shown below can help you visualize the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific zip code location which can change rates substantially.
Based on the above data, using a $250 deductible costs about $21 more each month or $252 every year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 36 months between claims, you would come out ahead going with the higher deductible.
The information below demonstrates how choosing different deductibles and can influence GMC Canyon premium costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Drive responsibly or pay higher rates
The information below shows how violations and fender-benders can impact GMC Canyon insurance costs for different age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
There’s no such thing as the perfect insurance policy
Always remember that when buying insurance from an agent or online for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.
For example, these questions could help you determine whether your personal situation might need professional guidance.
- Does my insurance cover a custom paint job?
- Is my GMC Canyon covered for smoke damage?
- If my pet gets injured in an accident are they covered?
- How do I buy GAP insurance?
- Do I need to call my car insurance company before buying a new car?
- Is business property covered if stolen from my car?
- Should I get collision insurance on every vehicle?
- Why is insurance for a teen driver so high in Scottsdale?
- Are there companies who specialize in insuring high-risk drivers?
- Is my son or daughter covered when driving my car?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.
Shop online but buy locally
Many drivers just prefer to buy from a local agent and we recommend doing that A nice benefit of getting free rate quotes online is the fact that you can find cheaper premium rates and still choose a local agent.
After filling out this simple form, your coverage information is transmitted to companies in Scottsdale that can give you free Scottsdale auto insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to even leave your home as quotes are delivered straight to your inbox. You can find lower rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote for a specific company, you can always go to their quote page to submit a rate quote request.
Finding the right insurer shouldn’t rely on just the premium amount. The answers to these questions are important, too.
- How much experience to they have in personal lines coverages?
- What is their Better Business Bureau rating?
- Is every driver in your family covered?
- Can you use your own choice of collision repair facility?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can they provide you with a list of referrals?
- What insurance companies do they recommend if they are an independent agent?
If you’re trying to find a local Scottsdale insurance agent, you should know the types of insurance agents that you can select. Agents in Scottsdale can be classified as either independent agents or exclusive agents.
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often purchase coverage from exclusives primarily because of the brand and strong financial ratings.
Shown below is a list of exclusive insurance agencies in Scottsdale willing to provide rate quotes.
- American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115 – View Map - American Family Insurance – Rebecca Navarre Agency Inc.
8096 N 85th Way d101 – Scottsdale, AZ 85258 – (480) 905-0102 – View Map - State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 – View Map
Independent Agents
Agents that elect to be independent are normally appointed by many insurers so they have the ability to put coverage through many companies and get you the best rates possible. If premiums increase, they can switch companies in-house and you stay with the same agent. When comparison shopping, you will definitely want to get rate quotes from independent agents for maximum quote selection. Many independent agencies also insure through companies that do not advertise much who may have lower rates.
The following are Scottsdale independent agencies that can give you rate quotes.
- Vanyo Insurance Group
8040 E Morgan Trail #5A – Scottsdale, AZ 85258 – (480) 998-4014 – View Map - Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map - Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131 – View Map
Don’t give up on cheap premiums
People change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, not issuing a premium refund and lack of trust in their agent. It doesn’t matter what your reason, finding a new insurance company is not as hard as you think.
We just presented many ways to save on GMC Canyon insurance in Scottsdale. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even be surprised to find that the lowest rates are with an unexpected company.
Some insurance providers do not provide rate quotes online and these small insurance companies prefer to sell through local independent agents. Lower-priced insurance in Scottsdale can be found online and with local Scottsdale insurance agents, and you need to price shop both in order to have the best chance of saving money.
Much more information about insurance in Arizona can be read at these links:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Cheap Auto Insurance for Drivers with a DUI in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance for Single Moms? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- Insurance Losses by Make and Model (iihs.org)