It’s an obvious conclusion that auto insurance companies don’t want you to look at other companies. Consumers who shop for lower prices will presumably buy a different policy because there is a significant possibility of finding lower prices. A recent insurance study revealed that drivers who compared price quotes annually saved an average of $3,450 over four years compared to people who didn’t regularly shop around.
If finding the lowest rates on auto insurance in Chandler is your intention, then having a grasp of how to shop and compare car insurance can make it easier for you to save money.
If you want to save the most money, the best way to get budget GMC Canyon insurance in Chandler is to regularly compare price quotes from companies that sell auto insurance in Arizona. You can compare rates by following these steps.
- Spend a few minutes and learn about the coverage provided by your policy and the modifications you can make to keep rates low. Many policy risk factors that cause high rates like distracted driving and a bad credit rating can be rectified by paying attention to minor details.
- Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies.
- Compare the new rates to your existing coverage and see if there is a cheaper rate in Chandler. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
- Tell your current agent or company of your intention to cancel your current car insurance policy. Submit payment and a completed application to your new company or agent. As soon as you have the new policy, place the new certificate verifying proof of insurance with your vehicle’s registration.
The key thing to remember is to compare the same liability limits and deductibles on every quote and and to look at as many car insurance companies as possible. This provides a level playing field and a better comparison of the market.
Locating the best rates in Chandler seems hard but is not really that difficult. If you have a policy now or are just looking to switch companies, you can use these techniques to find the best rates without sacrificing coverage. Vehicle owners just need to know the most effective way to compare different rates online.
The quickest method to compare insurance rates in your area is to know the trick car insurance companies participate in online systems to provide you with a free rate quote. The one thing you need to do is take a few minutes to give details including an estimate of your credit level, if a SR-22 is needed, if it has an alarm system, and daily mileage. Your insurance information is sent automatically to insurance carriers in your area and you receive quotes with very little delay.
To compare cheap GMC Canyon insurance rates now, click here and find out if lower rates are available in Chandler.
The providers in the list below provide price quotes in Arizona. To get the best car insurance in Arizona, we suggest you compare several of them to get the best price comparison.
Get affordable GMC Canyon insurance in Chandler with discounts
Insurance can cost an arm and a leg, but you might find some hidden discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but less common discounts must be asked about prior to getting the savings.
- Bundled Policy Discount – If you can combine your homeowners and auto policy with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Smart Student Discounts – Performing well in school may save you up to 25%. Most companies allow this discount up until you turn 25.
- Switch and Save Discount – Some larger companies reward drivers for switching policies prior to the expiration date on your current Canyon insurance policy. It can save you around 10%.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
- Home Ownership Discount – Being a homeowner can earn you a little savings because it shows financial diligence.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower prices.
- Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you better premium rates if you take out a life policy as well.
- Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with insureds who have frequent claims or accidents.
Just know that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, that’s just not realistic. Any qualifying discounts will bring down your policy premiums.
The diagram below compares GMC Canyon insurance rates with and without policy discounts. The premium estimates are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, homeowner, safe-driver, and multi-car discounts applied.
Insurance companies that may offer quotes with most of these discounts are:
When quoting, ask each company or agent which discounts you qualify for. Savings may not be offered in every state. To see auto insurance companies who offer discounts in Arizona, click here to view.
Analysis of GMC Canyon rates
The coverage information shown below highlights a range of rate quotes for GMC Canyon models. Being able to understand how rate quotes are formulated can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $174 | $318 | $282 | $16 | $84 | $874 | $73 |
| Canyon SLE Ext Cab 2WD | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Canyon SLE Ext Cab Z71 2WD | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Canyon SLE Crew Cab 2WD | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Canyon SLE Regular Cab 4WD | $198 | $318 | $282 | $16 | $84 | $898 | $75 |
| Canyon SLE Crew Cab Z71 2WD | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Canyon SLT Ext Cab 2WD | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Canyon SLE Ext Cab 4WD | $198 | $318 | $282 | $16 | $84 | $898 | $75 |
| Canyon SLT Crew Cab 2WD | $198 | $456 | $282 | $16 | $84 | $1,036 | $86 |
| Canyon SLE Ext Cab Z71 4WD | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Canyon SLE Crew Cab 4WD | $224 | $386 | $282 | $16 | $84 | $992 | $83 |
| Canyon SLE Crew Cab Z71 4WD | $224 | $386 | $282 | $16 | $84 | $992 | $83 |
| Canyon SLT Crew Cab 4WD | $224 | $386 | $282 | $16 | $84 | $992 | $83 |
| Canyon SLT Ext Cab 4WD | $224 | $386 | $282 | $16 | $84 | $992 | $83 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific location information which can impact prices substantially.
Raise deductibles and save
A question often asked by Chandler drivers is how high or low should comp and collision deductibles be. The following tables summarize the differences in premium rates when you choose different physical damage deductibles. The first rate estimation uses a $100 deductible for physical damage 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 | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Canyon SLE Ext Cab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Canyon SLE Ext Cab Z71 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Canyon SLE Crew Cab 2WD | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Canyon SLE Regular Cab 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Canyon SLE Crew Cab Z71 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Canyon SLT Ext Cab 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Canyon SLE Ext Cab 4WD | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Canyon SLT Crew Cab 2WD | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Canyon SLE Ext Cab Z71 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Canyon SLE Crew Cab 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Canyon SLE Crew Cab Z71 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Canyon SLT Crew Cab 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Canyon SLT Ext Cab 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| 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 assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can change coverage rates significantly.
Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $29 more each month or $348 each year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 31 months between claim filings, you would probably save some money by selecting a higher deductible.
Auto insurance premiums based on gender
The illustration below shows the comparison of GMC Canyon insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
How Insurance Providers Calculate GMC Canyon Insurance Premiums
When buying insurance it’s important to understand some of the factors that are used to determine the level of your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that can help you get big savings.
The items below are some of the things used by insurance companies to determine premiums.
Vehicles with better crash test results means better rates – Safer cars tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums.
Premiums can change based on your address – Residing in less populated areas can be a good thing if you are looking for the lowest rates. Less people living in that area means less chance of accidents and a lower car theft rate. People in densely populated areas have to deal with more auto accidents and a longer drive to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
Driving citations hurt – A bad driving record can have a huge impact on auto insurance premiums. Even one citation may cause rates to rise by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers unfortunate enough to have dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state’s licensing department in order to legally drive.
The illustration below shows how violations and at-fault fender-benders can drive up GMC Canyon insurance rates for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Know your credit score – Having a bad credit rating factor in your rate calculation. People that have high credit ratings tend to be better risks to insure than drivers with lower credit ratings. If your credit rating is not that good, you could potentially save money when insuring your GMC Canyon by improving your rating.
Your occupation may affect prices – Jobs such as fire fighters, air traffic controllers, and dentists generally pay the highest rates due to high stress levels and extremely grueling work hours. Conversely, professions such as professors, historians and retirees generally pay rates lower than average.
Increase comp and collision deductibles and save – Comp and collision deductibles represent how much money you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The larger the amount you pay before a claim is paid (deductible), the less your insurance will be.
Prices go up with performance – The type of vehicle you are insuring makes a big difference in the rate you pay. The best insurance prices will normally be found when insuring small economy passenger cars, but many other things help determine your insurance rates.
The next chart is based on a married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares GMC Canyon rates compared to other vehicles that have different risk factors.
Drive lots and pay more – The higher the mileage driven every year the more you’ll pay to insure it. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance declarations sheet properly reflects the right rating data. Incorrect rating for your Canyon may be costing you.
Insurance loss statistics a GMC Canyon – Insurers factor in historical loss data to help determine costs. Models that have high amounts or severity of claims will have increased rates.
The table shown below demonstrates the insurance loss data used by companies for GMC Canyon vehicles. For each type of coverage, the statistical loss for all vehicles, regardless of make, model or trim level, is a value of 100. Values that are 100 or less imply a favorable loss record, while values that are 100 or greater indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Specific GMC 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare rate quotes but still have a local Chandler insurance agent
Many people still like to go talk to an agent and that is not a bad decision Experienced insurance agents will help you protect your assets and help file insurance claims. A nice benefit of comparing rate quotes online is the fact that drivers can get cheap car insurance rates and still have an agent to talk to.
Once you complete this form (opens in new window), your information gets sent to insurance agents in Chandler that provide free Chandler car insurance quotes for your car insurance coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent instantly to you. If you have a need to get a price quote from a particular provider, you would need to go to their quote page and fill out the quote form the provide.
Finding the right company should include more criteria than just the bottom line cost. These are some questions your agent should answer.
- By raising physical damage deductibles, how much would you save?
- When do they do a full risk review?
- Is the coverage adequate for your vehicle?
- Are they able to influence company decisions when a claim is filed?
- Do they offer claims assistance after hours?
- Is there a Errors and Omissions policy in force?
- Is the agency active in community causes in Chandler?
If you are wanting to find a reliable insurance agent, there are two different agency structures and how they can service your needs differently. Car insurance agencies can be classified as either independent or exclusive depending on the company they work for. Both types can sell and service car insurance coverage, but it’s worth learning the difference in how they write coverage since it can impact which agent you choose.
Exclusive Insurance Agencies
Exclusive insurance agents have only one company to place business with such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents are trained well on what they offer which helps them sell insurance even at higher premiums.
Below is a short list of exclusive agencies in Chandler willing to provide rate quotes.
Allstate Insurance: Kevin Lum
5055 W Ray Rd Ste 22 – Chandler, AZ 85226 – (480) 883-8798 – View Map
Farmers Insurance – Delia Aguirre
813 W Elliot Rd #6 – Chandler, AZ 85225 – (480) 491-3232 – View Map
Paula Koroso – State Farm Insurance Agent
569 N Arizona Ave – Chandler, AZ 85225 – (480) 792-1400 – View Map
Independent Agencies or Brokers
Agents of this type are not employed by one company so they can quote policies with multiple insurance companies and find the cheapest car insurance rates. If they quote lower rates, they simply move your policy to a different company and you don’t have to find a new agent.
When searching for an agent, we highly recommend that you include several independent agencies in order to compare the most rates.
The following is a list of independent insurance agents in Chandler willing to provide comparison quotes.
Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 – View Map
Foothills Insurance Agency
2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 – View Map
Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408 – View Map
Car insurance companies ranked
Buying coverage from the top insurance company can be a challenge considering how many companies sell insurance in Arizona. The ranking information displayed below could help you analyze which auto insurers to look at buying from.
Top 10 Chandler Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Be persistent to save money
Cheaper GMC Canyon insurance in Chandler is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and most of the time these small insurance companies only sell through independent insurance agencies.
We just showed you many tips how you can get a better price on GMC Canyon insurance in Chandler. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest GMC Canyon rate quotes. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company. These smaller insurers can often provide lower prices in certain areas than their larger competitors like State Farm or Progressive.
As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.
Additional detailed information is located by following these links:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much is Auto Insurance for Single Moms in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Ride Shares in Chandler? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)