Do you get exhausted from scraping the payment together to make your auto insurance payment? You’re in the same situation as most other drivers in Colorado.
It’s hard to believe, but most auto insurance customers have remained with the same auto insurance company for at least the last four years, and practically 40% of auto insurance customers have never compared rates from other carriers. Many drivers in Aurora can save hundreds of dollars each year, but they just assume it takes a lot of time to compare rates online.
How to buy cheaper GMC Canyon insurance in Aurora
The easiest way to find the cheapest price for car insurance rates in Aurora is to compare quotes once a year from insurance carriers that sell auto insurance in Colorado. Price quotes can be compared by following these steps.
Step 1: Spend some time learning about the different coverages in a policy and the things you can control to lower rates. Many risk factors that are responsible for high rates such as inattentive driving and a lousy credit rating can be controlled by making small lifestyle or driving habit changes. Keep reading for information to help keep prices low and find possible discounts that are available.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of companies.
Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
One piece of advice is that you’ll want to compare identical coverage information on each quote and and to analyze as many different insurance providers as possible. Doing this ensures an accurate price comparison and a complete price analysis.
Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute best price available on GMC Canyon insurance in Aurora.
If you are already insured or just want cheaper coverage, you can use these tips to lower your rates and still get good coverage. Buying the cheapest insurance in Aurora is not rocket science. Consumers just have to use the most effective way to find the lowest price from many different companies online.
Cheapest auto insurance in Aurora, CO
The auto insurance companies shown below are our best choices to provide price quotes in Colorado. To buy the best car insurance in Aurora, it’s a good idea that you click on several of them in order to find the cheapest rates.
GMC Canyon detailed coverage information
The coverage table displayed next highlights estimates of insurance prices for GMC Canyon models. Being aware of how policy rates are formulated can be useful when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Canyon SLE Regular Cab 2WD | $166 | $298 | $396 | $24 | $118 | $1,002 | $84 |
| Canyon SLE Ext Cab 2WD | $166 | $362 | $396 | $24 | $118 | $1,066 | $89 |
| Canyon SLE Ext Cab Z71 2WD | $166 | $362 | $396 | $24 | $118 | $1,066 | $89 |
| Canyon SLE Crew Cab 2WD | $166 | $362 | $396 | $24 | $118 | $1,066 | $89 |
| Canyon SLE Regular Cab 4WD | $190 | $298 | $396 | $24 | $118 | $1,026 | $86 |
| Canyon SLE Crew Cab Z71 2WD | $190 | $362 | $396 | $24 | $118 | $1,090 | $91 |
| Canyon SLT Ext Cab 2WD | $190 | $362 | $396 | $24 | $118 | $1,090 | $91 |
| Canyon SLE Ext Cab 4WD | $190 | $298 | $396 | $24 | $118 | $1,026 | $86 |
| Canyon SLT Crew Cab 2WD | $190 | $426 | $396 | $24 | $118 | $1,154 | $96 |
| Canyon SLE Ext Cab Z71 4WD | $190 | $362 | $396 | $24 | $118 | $1,090 | $91 |
| Canyon SLE Crew Cab 4WD | $214 | $362 | $396 | $24 | $118 | $1,114 | $93 |
| Canyon SLE Crew Cab Z71 4WD | $214 | $362 | $396 | $24 | $118 | $1,114 | $93 |
| Canyon SLT Crew Cab 4WD | $214 | $362 | $396 | $24 | $118 | $1,114 | $93 |
| Canyon SLT Ext Cab 4WD | $214 | $362 | $396 | $24 | $118 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in specific garaging location which can lower or raise coverage rates greatly.
Policy deductibles
A question often asked by Aurora drivers is which deductibles should you choose. The rates below may help you to understand the rate differences of buying low and high insurance deductibles. The first rate quote example uses a $100 deductible for comp and collision 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 | $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 | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.
Based on the figures above, using a $100 deductible costs approximately $34 more each month or $408 annually across all GMC Canyon models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 26 months between claims, you would come out ahead if you opt for a higher deductible. The numbers below show how you can make your own decision.
| 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 |
Safe drivers Aurora pay cheaper rates
The illustration below highlights how speeding tickets and accident claims can affect GMC Canyon auto insurance rates for different categories of driver ages. The costs are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Full coverage versus liability only rates
The illustration below compares GMC Canyon insurance costs with and without full coverage. The costs are based on no claims or violations, $500 deductibles, single status, and no discounts are factored in.
Should you be buying full coverage?
There is no clear-cut rule of when to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your GMC Canyon settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your deductible. If you are paying more than $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not advised. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Save with these discounts on GMC Canyon insurance in Aurora
The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but a few must be asked about before being credited.
- Accident Forgiveness Coverage – Not really a discount, but some companies like GEICO and Allstate allow you one accident without the usual rate increase so long as you are claim-free for a certain period of time.
- Student Discounts – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
- Anti-lock Brake System – Vehicles with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
- Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on auto insurance.
- Sign Early and Save – A few larger companies allow discounts for buying a policy prior to the expiration date on your current Canyon insurance policy. You can save around 10% with this discount.
- Claim Free – Claim-free drivers have much lower rates as compared to drivers with a long claim history.
- Low Miles Discount – Maintaining low annual mileage can qualify you for discounted rates on garaged vehicles.
- Senior Discount – Drivers that qualify as senior citizens may be able to get a discount up to 10%.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
The chart below illustrates the comparison of GMC Canyon car insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or violations, Colorado state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, safe-driver, and marriage discounts applied.
A few of the larger companies and their possible discounts are outlined below.
- State Farm offers discounts for Steer Clear safe driver discount, good student, passive restraint, accident-free, good driver, and defensive driving training.
- Liberty Mutual has savings for good student, safety features, preferred payment discount, new vehicle discount, and newly retired.
- American Family policyholders can earn discounts including good driver, good student, air bags, multi-vehicle, and Steer into Savings.
- Progressive has discounts for online quote discount, good student, homeowner, continuous coverage, multi-policy, online signing, and multi-vehicle.
- Farmers Insurance may have discounts that include mature driver, alternative fuel, electronic funds transfer, good student, youthful driver, early shopping, and homeowner.
- Auto-Owners Insurance may offer discounts for paperless, multi-policy, anti-theft, student away at school, safe driver, and company car.
- SAFECO includes discounts for homeowner, multi-car, bundle discounts, teen safe driver, anti-theft, and anti-lock brakes.
Before buying, ask every prospective company how you can save money. Some discounts might not apply in your area. If you would like to see a list of auto insurance companies that offer discounts in Colorado, click here.
You are unique and your car insurance should be too
When quoting and comparing insurance from an agent or online for your vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
For example, these questions may help you determine if your insurance needs might need professional guidance.
- What can I do if my company denied a claim?
- What is roadside assistance coverage?
- What is GAP insurance?
- Which is better, split liability limits or combined limits?
- Is a new car covered when I drive it off the dealer lot?
- Does having multiple vehicles earn me a discount?
- Does my policy pay for OEM or aftermarket parts?
- How can I find cheaper teen driver insurance?
- Is my GMC Canyon covered if I use it for business?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Exclusive or independent insurance agencies
Many drivers would prefer to sit down and talk to an agent and that can be a smart move Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of price shopping on the web is that you can find better rates and still choose a local agent. Supporting neighborhood insurance agencies is definitely important in Aurora.
To help locate an agent, after submitting this short form, your insurance coverage information is emailed to local insurance agents in Aurora that can give you free Aurora car insurance quotes for your insurance coverage. There is no reason to find an agent because quoted prices will be sent to the email address you provide. In the event you want to compare prices for a specific company, you would need to search and find their rate quote page and submit a quote form there.
Pick the best auto insurance agent in Aurora for you
When searching for a reliable agent, you need to know there are two different agency structures from which to choose. Agents in Aurora are considered either exclusive or independent. Both types of agents can provide insurance policies, but it’s important to know the difference between them because it can impact the kind of agent you use.
Independent Agencies or Brokers
Agents in the independent channel can sell policies from many different companies so they can write business with many different companies and find the cheapest insurance rates. If they find a cheaper price, your agent can just switch to a different company which requires no work on your part.
When comparing insurance prices, you absolutely need to include rate quotes from several independent insurance agents for maximum quote selection.
The following are Aurora independent agents who can help you get pricing information.
A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map
Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr – Aurora, CO 80014 – (303) 577-9998 – View Map
ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive write business for a single company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Shown below are Aurora exclusive insurance agents that are able to give comparison quotes.
Stan Kellogg – State Farm Insurance Agent
15434 E Orchard Rd – Aurora, CO 80016 – (303) 699-2288 – View Map
American Family Insurance – Patricia Davis
1627 S Havana St e – Aurora, CO 80012 – (303) 360-9831 – View Map
Allstate Insurance: Danielle Shannon Agency
6820 S Liverpool St d – Aurora, CO 80016 – (303) 676-8071 – View Map
Deciding on a auto insurance agent requires more thought than just a cheap price quote. The answers to these questions are important, too.
- Do they offer accident forgiveness?
- By raising physical damage deductibles, how much would you save?
- What companies can they write with?
- Do they prorate repair cost based on vehicle mileage?
- Will the agent help in case of a claim?
- Do they have any clout with companies to ensure a fair claim settlement?
If you get satisfactory answers to any questions you have and a low price estimate, you may have found an insurance agent that will adequately provide insurance. It’s important to know that consumers can terminate your policy at any point so never feel that you are obligated to any particular company for the full term.
The best insurance company isn’t always the cheapest
Insureds switch companies for many reasons like lack of trust in their agent, extreme rates for teen drivers, not issuing a premium refund and delays in paying claims. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
We covered a lot of information how to compare GMC Canyon insurance rates in Aurora. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest GMC Canyon rate quotes. Drivers may even discover the most savings is with a small local company.
There are still a few companies who may not offer rates over the internet and many times these regional insurance providers sell through independent agents. Budget-conscious GMC Canyon insurance can be found online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.
Steps to finding affordable GMC Canyon insurance in Aurora
The recommended way to get low-cost car insurance rates in Aurora is to make a habit of regularly comparing prices from insurers in Colorado.
- Take a little time to learn about how auto insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher prices such as getting speeding tickets and an imperfect credit rating can be remedied by being financially responsible and driving safely.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agencies can quote prices from multiple sources. View insurance agents
- Compare the new rate quotes to the price on your current policy to determine if you can save on Canyon insurance in Aurora. If you find a lower rate quote and switch companies, verify that coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel your current policy and submit payment along with a signed and completed policy application to your new agent or company. As soon as you have the new policy, put the new proof of insurance paperwork along with the vehicle’s registration papers.
One piece of advice is to try to compare identical limits and deductibles on every price quote and and to look at as many companies as feasibly possible. This helps ensure a fair price comparison and a complete price analysis.
Additional information is located on the following sites:
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has Cheap Auto Insurance for Retired Military in Aurora? (FAQ)
- Who Has the Cheapest Car Insurance Rates for High Mileage Drivers in Aurora? (FAQ)
- Who Has Affordable Aurora Car Insurance Quotes for a School Permit? (FAQ)
- Who Has Affordable Car Insurance for College Graduates in Aurora? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)