It’s an obvious conclusion that insurance companies want to keep you from comparing rates. Consumers who do rate comparisons will probably switch insurance companies because there is a high probability of finding a more affordable policy. A recent survey discovered that consumers who compared price quotes annually saved an average of $865 annually compared to other drivers who never shopped for cheaper rates.
If finding low prices for GMC Canyon insurance in Boston is the reason for your visit, then having some knowledge of how to find companies and compare coverages can help you be more efficient.
It takes a little time, but the best way to find discount GMC Canyon insurance is to regularly compare quotes from companies that insure vehicles in Boston. You can compare rates by completing these steps.
First, try to comprehend auto insurance and the things you can change to keep rates low. Many rating factors that result in higher prices like at-fault accidents, careless driving, and a negative credit score can be eliminated by making minor changes in your lifestyle.
Second, compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide prices from many different companies.
Third, compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, tell your current company of your intention to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the newly selected company. Immediately store the certificate of insurance in your vehicle’s glove compartment or console.
The key thing to know about shopping around is to try to compare identical deductibles and limits on every quote and and to look at as many auto insurance providers as possible. Doing this guarantees a level playing field and a better comparison of the market.
Shopping around for affordable car insurance policy in Boston is not as hard as you think. Basically, every vehicle owner who carries car insurance will more than likely find better rates. Nevertheless, Massachusetts vehicle owners do need to learn how the larger insurance companies sell insurance online and use it to your advantage.
Best companies for affordable GMC Canyon insurance in Massachusetts
The companies shown below can provide free quotes in Boston, MA. To locate cheap car insurance in Boston, it’s a good idea that you get price quotes from several of them in order to find the cheapest rates.
Rates and statistics
The coverage information displayed below highlights estimates of policy rates for GMC Canyon models. Understanding how insurance policy premiums are figured is important for you to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $136 | $258 | $404 | $24 | $122 | $944 | $79 |
| Canyon SLE Ext Cab 2WD | $136 | $314 | $404 | $24 | $122 | $1,000 | $83 |
| Canyon SLE Ext Cab Z71 2WD | $136 | $314 | $404 | $24 | $122 | $1,000 | $83 |
| Canyon SLE Crew Cab 2WD | $136 | $314 | $404 | $24 | $122 | $1,000 | $83 |
| Canyon SLE Regular Cab 4WD | $156 | $258 | $404 | $24 | $122 | $964 | $80 |
| Canyon SLE Crew Cab Z71 2WD | $156 | $314 | $404 | $24 | $122 | $1,020 | $85 |
| Canyon SLT Ext Cab 2WD | $156 | $314 | $404 | $24 | $122 | $1,020 | $85 |
| Canyon SLE Ext Cab 4WD | $156 | $258 | $404 | $24 | $122 | $964 | $80 |
| Canyon SLT Crew Cab 2WD | $156 | $370 | $404 | $24 | $122 | $1,076 | $90 |
| Canyon SLE Ext Cab Z71 4WD | $156 | $314 | $404 | $24 | $122 | $1,020 | $85 |
| Canyon SLE Crew Cab 4WD | $176 | $314 | $404 | $24 | $122 | $1,040 | $87 |
| Canyon SLE Crew Cab Z71 4WD | $176 | $314 | $404 | $24 | $122 | $1,040 | $87 |
| Canyon SLT Crew Cab 4WD | $176 | $314 | $404 | $24 | $122 | $1,040 | $87 |
| Canyon SLT Ext Cab 4WD | $176 | $314 | $404 | $24 | $122 | $1,040 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Table data does not factor in vehicle garaging location which can modify insurance rates greatly.
Comparison of policy deductibles
When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The comparison tables below can help show the costs and benefits between low and high deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $224 | $358 | $334 | $20 | $100 | $1,061 | $88 |
| Canyon SLE Ext Cab 2WD | $224 | $436 | $334 | $20 | $100 | $1,139 | $95 |
| Canyon SLE Ext Cab Z71 2WD | $224 | $436 | $334 | $20 | $100 | $1,139 | $95 |
| Canyon SLE Crew Cab 2WD | $224 | $436 | $334 | $20 | $100 | $1,139 | $95 |
| Canyon SLE Regular Cab 4WD | $258 | $358 | $334 | $20 | $100 | $1,095 | $91 |
| Canyon SLE Crew Cab Z71 2WD | $258 | $436 | $334 | $20 | $100 | $1,173 | $98 |
| Canyon SLT Ext Cab 2WD | $258 | $436 | $334 | $20 | $100 | $1,173 | $98 |
| Canyon SLE Ext Cab 4WD | $258 | $358 | $334 | $20 | $100 | $1,095 | $91 |
| Canyon SLT Crew Cab 2WD | $258 | $512 | $334 | $20 | $100 | $1,249 | $104 |
| Canyon SLE Ext Cab Z71 4WD | $258 | $436 | $334 | $20 | $100 | $1,173 | $98 |
| Canyon SLE Crew Cab 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Canyon SLE Crew Cab Z71 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Canyon SLT Crew Cab 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Canyon SLT Ext Cab 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $140 | $224 | $334 | $20 | $100 | $818 | $68 |
| Canyon SLE Ext Cab 2WD | $140 | $274 | $334 | $20 | $100 | $868 | $72 |
| Canyon SLE Ext Cab Z71 2WD | $140 | $274 | $334 | $20 | $100 | $868 | $72 |
| Canyon SLE Crew Cab 2WD | $140 | $274 | $334 | $20 | $100 | $868 | $72 |
| Canyon SLE Regular Cab 4WD | $160 | $224 | $334 | $20 | $100 | $838 | $70 |
| Canyon SLE Crew Cab Z71 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Canyon SLT Ext Cab 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Canyon SLE Ext Cab 4WD | $160 | $224 | $334 | $20 | $100 | $838 | $70 |
| Canyon SLT Crew Cab 2WD | $160 | $322 | $334 | $20 | $100 | $936 | $78 |
| Canyon SLE Ext Cab Z71 4WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Canyon SLE Crew Cab 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Canyon SLE Crew Cab Z71 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Canyon SLT Crew Cab 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Canyon SLT Ext Cab 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific Boston garaging location which can raise or lower insurance rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $24 more each month or $288 each year than opting for the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 31 months between claims, you would save money if you choose a higher deductible.
The information below shows how choosing a deductible and can affect GMC Canyon insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
Rate comparison of full coverage and liability-only
The chart below illustrates the comparison of GMC Canyon insurance premiums with full coverage and liability only. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no additional discounts are factored in.
When to drop full coverage
There is no definitive guideline for phasing out physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your GMC Canyon replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year to have full coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Companies offer money-saving discounts on GMC Canyon insurance in Boston
Insurance can cost an arm and a leg, but there are discounts available that many consumers don’t even know exist. A few discounts will be applied when you quote, but a few must be inquired about before you will receive the discount.
- Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their Boston car insurance quote than less cautious drivers.
- Bundled Policy Discount – If you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you low cost GMC Canyon insurance.
- Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison to bad drivers.
- Active Service Discounts – Being on active duty in the military could mean lower car insurance rates.
- Club Memberships – Joining a civic or occupational organization in Boston could earn you a nice discount when getting a Boston car insurance quote.
Don’t be surprised that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts should definitely cut your premiums.
The chart below illustrates the difference between GMC Canyon insurance premiums with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims, a clean driving record, Massachusetts 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, marriage, claim-free, homeowner, safe-driver, and multi-car discounts applied.
Companies that have these money-saving discounts include:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
Before buying, ask all companies you are considering which discounts you qualify for. Savings may not apply in your state. For a list of car insurance companies that offer many of these discounts in Boston, click here to view.
Do I need an agent?
Some consumers prefer to get advice from a local agent and that is just fine! A good thing about getting online price quotes is you can get the lowest rates but still work with a licensed agent. Buying insurance from local agents is especially important in Boston.
By using this simple form, your insurance coverage information gets sent to agents in your area that give free quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own because quoted prices will be sent immediately to you. You can find lower rates and an insurance agent to talk to. If you want to compare prices from a specific car insurance provider, feel free to jump over to their website and submit a quote form there.
Below is a short list of auto insurance companies in Boston who can help you get comparison quotes for GMC Canyon insurance in Boston.
Cecil N Marchionne Insurance Agency, Inc
506 Main St – Medford, MA 02155 – (781) 391-7100 – View Map
Paul Lymneos Insurance Agency
4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870 – View Map
F.I. Patnode Insurance Agency
396 Washington St – Brighton, MA 02135 – (617) 787-1400 – View Map
Lighthouse Insurance Agency
470 W Broadway – Boston, MA 02127 – (617) 464-3777 – View Map
Picking the best provider needs to be determined by more than just the premium amount. Here are some questions you might want to ask.
- Do they review policy coverages at every renewal?
- Where would your vehicle be repaired?
- Do they offer accident forgiveness?
- What insurance companies do they work with in Boston?
- Are aftermarket or OEM parts used to repair vehicles?
Keep this in mind when shopping around
When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
You just read a lot of ways to save on GMC Canyon insurance in Boston. The key thing to remember is the more you quote Boston car insurance, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates are with the least-expected company. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as GEICO and State Farm.
Some insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through independent agencies. Low-cost GMC Canyon insurance in Boston can be purchased online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
Additional information can be read below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Escape in Boston? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Boston? (FAQ)
- How Much is Auto Insurance for Felons in Boston? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Side Impact Crash Tests (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)