5 Ways to Save Money on GMC Canyon Insurance in Nevada
Locating better insurance prices for a new or used GMC Canyon in Nevada can turn out to be a painful process, but you can learn a few tricks to save time.
There are more efficient ways to buy auto insurance so you’re going to learn the quickest way to get price quotes for a new or used GMC and locate the lowest possible price from both online companies and Nevada agents.
You need to price shop coverage yearly because insurance rates change regularly. Just because you had the lowest rates on Canyon coverage a couple years back other companies may now be cheaper. There is a lot of bad advice regarding auto insurance online, so by reading this article, you’re going to learn the best ways to quit paying high auto insurance rates.
How to Lower Your Auto Insurance Cost in Nevada
All major auto insurance companies give prices for coverage online. Getting online rates is quite simple as you just type in the coverages you want as detailed in the form. When complete, their system orders your credit score and driving record and returns pricing information.
Online quotes streamlines rate comparisons, but having to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you want to find lower prices.
The better way to compare rates
A less time-consuming method to locate the lowest prices is to use a quote form to return rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any one of the returned quotes.
If a lower price is quoted, you can click and sign and buy the policy. This process only takes a few minutes and could lower your rates considerably.
To save time and get comparison pricing now, click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate the coverages just like they are on your policy. This ensures you will have an apples-to-apples comparison using the same coverage and limits.
Lots of discounts mean lots of savings
Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Certain discounts will be applied at quote time, but less common discounts must be specially asked for in order for you to get them.
- Defensive Driver – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
- Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
- One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce the cost of coverage.
To choose companies with discount auto insurance rates in Nevada, click this link.
Situations that might require an agent
When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Every situation is different.
For instance, these questions can aid in determining if your situation might need an agent’s assistance.
- Is business equipment covered while in my vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I have coverage when using my vehicle for my home business?
- Can I still get insurance after a DUI?
- Do I have coverage if my license is suspended?
- Is my business laptop covered if it gets stolen from my vehicle?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Who is covered by my policy?
- Is my cargo covered for damage or theft?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.
Auto insurance coverage options for a GMC Canyon
Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Liability auto insurance
Liability insurance can cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like court costs, funeral expenses, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying higher limits.
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your GMC Canyon.
Since a lot of drivers carry very low liability coverage limits (15/30/10 in Nevada), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for immediate expenses for things like dental work, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, falling objects, hitting a deer and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage protection
Collision coverage covers damage to your Canyon resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like colliding with another moving vehicle, crashing into a building, hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Additional resources for Nevada consumers
Much more information about auto insurance in Nevada can be read on the Nevada Division of Insurance website located here. Consumers can view agent and company licensing information, learn about specific coverages, discover disciplinary actions, and read enforcement actions against agents and companies.
The articles below may also help you learn more about auto insurance in Nevada