Insurance quote for GMC Canyon in ColumbiaI can't think of a single person who enjoys paying for auto insurance, in particular when they could get a better deal.

It's hard to fathom, but nearly 70% of drivers have stayed with the same insurance company for over three years, and nearly half have never taken the time to shop around. With the average premium in South Carolina being $1,400, drivers could save about 55% each year by just shopping around, but they just don't want to compare rates and save money.

Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest cost out there.

It's a good habit to price shop coverage on a regular basis due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on GMC Canyon insurance in Columbia two years ago you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I'm going to teach you one of the best ways to save on auto insurance.

If you have car insurance now, you will surely be able to shop for the lowest rates using the concepts you're about to learn. Choosing the most cost-effective car insurance policy in Columbia is actually quite easy if you know where to start. Although South Carolina drivers must understand how the larger insurance companies price insurance differently because rates are impacted by many factors.

How to compare GMC Canyon insurance quotes in Columbia, South Carolina

Most major insurance companies such as State Farm, GEICO and Progressive make it easy to get pricing online. This process is very simple because you just enter your coverage information as requested by the quote form. Behind the scenes, their rating system will order your credit score and driving record and gives you a price quote based on these factors. Being able to quote online for GMC Canyon insurance in Columbia makes it easy to compare insurance prices and it's also necessary to perform this step in order to get a better rate.

To find out how much you can save on car insurance, compare rates now from the companies shown below. To compare your current rates, we recommend you copy deductibles and limits identical to your current policy. This way, you will get rate comparison quotes for the exact same coverage.

The companies shown below provide quotes in Columbia, SC. If several companies are displayed, it's a good idea that you visit as many as you can to find the most competitive auto insurance rates.

GMC Canyon Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $144 $244 $320 $18 $96 $822 $69
Canyon SLE Ext Cab 2WD $220 $502 $444 $26 $132 $1,324 $110
Canyon SLE Ext Cab Z71 2WD $262 $444 $448 $26 $134 $1,314 $110
Canyon SLE Crew Cab 2WD $138 $274 $348 $20 $104 $884 $74
Canyon SLE Regular Cab 4WD $230 $370 $328 $20 $98 $1,046 $87
Canyon SLE Crew Cab Z71 2WD $148 $258 $352 $20 $106 $884 $74
Canyon SLT Ext Cab 2WD $126 $232 $320 $18 $96 $792 $66
Canyon SLE Ext Cab 4WD $140 $236 $386 $22 $116 $900 $75
Canyon SLT Crew Cab 2WD $226 $540 $386 $22 $116 $1,290 $108
Canyon SLE Ext Cab Z71 4WD $256 $436 $348 $20 $104 $1,164 $97
Canyon SLE Crew Cab 4WD $286 $546 $386 $22 $116 $1,356 $113
Canyon SLE Crew Cab Z71 4WD $210 $280 $448 $26 $134 $1,098 $92
Canyon SLT Crew Cab 4WD $204 $344 $460 $28 $138 $1,174 $98
Canyon SLT Ext Cab 4WD $324 $610 $412 $24 $124 $1,494 $125
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in vehicle garaging location which can impact premium rates significantly.

Policy deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following insurance rates approximate the price difference when you choose different policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

GMC Canyon insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $230 $366 $342 $20 $102 $1,085 $90
Canyon SLE Ext Cab 2WD $230 $444 $342 $20 $102 $1,163 $97
Canyon SLE Ext Cab Z71 2WD $230 $444 $342 $20 $102 $1,163 $97
Canyon SLE Crew Cab 2WD $230 $444 $342 $20 $102 $1,163 $97
Canyon SLE Regular Cab 4WD $264 $366 $342 $20 $102 $1,119 $93
Canyon SLE Crew Cab Z71 2WD $264 $444 $342 $20 $102 $1,197 $100
Canyon SLT Ext Cab 2WD $264 $444 $342 $20 $102 $1,197 $100
Canyon SLE Ext Cab 4WD $264 $366 $342 $20 $102 $1,119 $93
Canyon SLT Crew Cab 2WD $264 $524 $342 $20 $102 $1,277 $106
Canyon SLE Ext Cab Z71 4WD $264 $444 $342 $20 $102 $1,197 $100
Canyon SLE Crew Cab 4WD $298 $444 $342 $20 $102 $1,231 $103
Canyon SLE Crew Cab Z71 4WD $298 $444 $342 $20 $102 $1,231 $103
Canyon SLT Crew Cab 4WD $298 $444 $342 $20 $102 $1,231 $103
Canyon SLT Ext Cab 4WD $298 $444 $342 $20 $102 $1,231 $103
Get Your Own Custom Quote Go
GMC Canyon insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $142 $230 $342 $20 $102 $836 $70
Canyon SLE Ext Cab 2WD $142 $280 $342 $20 $102 $886 $74
Canyon SLE Ext Cab Z71 2WD $142 $280 $342 $20 $102 $886 $74
Canyon SLE Crew Cab 2WD $142 $280 $342 $20 $102 $886 $74
Canyon SLE Regular Cab 4WD $162 $230 $342 $20 $102 $856 $71
Canyon SLE Crew Cab Z71 2WD $162 $280 $342 $20 $102 $906 $76
Canyon SLT Ext Cab 2WD $162 $280 $342 $20 $102 $906 $76
Canyon SLE Ext Cab 4WD $162 $230 $342 $20 $102 $856 $71
Canyon SLT Crew Cab 2WD $162 $330 $342 $20 $102 $956 $80
Canyon SLE Ext Cab Z71 4WD $162 $280 $342 $20 $102 $906 $76
Canyon SLE Crew Cab 4WD $184 $280 $342 $20 $102 $928 $77
Canyon SLE Crew Cab Z71 4WD $184 $280 $342 $20 $102 $928 $77
Canyon SLT Crew Cab 4WD $184 $280 $342 $20 $102 $928 $77
Canyon SLT Ext Cab 4WD $184 $280 $342 $20 $102 $928 $77
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $24 more each month or $288 a year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 31 months between claim filings, you would save more money if you choose a higher deductible. Here is an example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $99
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more if you have a claim. You should have some savings in the event you have to pay the higher deductible in order to repair your vehicle.

Choosing deductibles

The diagram below illustrates how your deductible choice and can increase or decrease GMC Canyon insurance prices for each age group. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Why you need GMC Canyon insurance in South Carolina

Despite the potentially high cost of GMC Canyon insurance, insuring your vehicle serves a purpose in several ways.

First, almost all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you want to drive legally. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, more than likely the lender will require that you carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your GMC for a lot more money and force you to pay the higher premium.

Third, insurance safeguards not only your GMC Canyon but also your financial assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your GMC gets damaged, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver overpays more than $830 a year so you should quote and compare rates at least once a year to help ensure money is not being wasted.

Lower rate quotes by taking advantage of discounts

Some insurance providers don't always publicize all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known credits available to you.Discount auto insurance

Consumers should know that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, that's just not realistic.

A list of companies and their possible discounts are shown below.

If you are trying to find cheaper Columbia auto insurance quotes, ask every company which discounts you may be entitled to. A few discounts may not apply to policies in Columbia. For a list of insurance companies with discount auto insurance rates in South Carolina, click here to view.

You may require the services of an agent

Certain consumers just want to visit with an insurance agent and that is just fine! The best thing about comparing rate quotes online is you may find cheap auto insurance quotes but still work with a licensed agent. And supporting local insurance agencies is definitely important in Columbia.

Once you complete this form (opens in new window), the quote information gets sent to insurance agents in Columbia who can give free rate quotes for your coverage. There is no reason to drive around as quotes are delivered immediately to you. You can most likely find cheaper rates and an insurance agent to talk to. If you need to compare rates from a specific company, just search and find their rate quote page and complete a quote there.

What type of Columbia car insurance agent is right for you?

When narrowing the list to find a reputable insurance agent or broker, you should know the different types of agents and how they differ in how they quote coverages. Columbia agents may be either exclusive or independent.

Independent Auto Insurance Agencies

Independent agents do not write with just one company and that gives them the ability to insure with lots of companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, you should always get rate quotes from several independent agencies for maximum quote selection.

Featured below are independent insurance agents in Columbia that may be able to give pricing information.


2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map

Smoak Insurance Agency, Inc.
1534 Leesburg Rd - Columbia, SC 29209 - (803) 254-4323 - View Map


1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map

View more agents

Exclusive Agents

Exclusive insurance agents can only provide one company's prices like American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so keep that in mind. They are usually well trained on what they offer which helps them sell on service rather than price.

Shown below are Columbia exclusive insurance agencies that are able to give price quotes.


7360 Garners Ferry Rd - Columbia, SC 29209 - (803) 783-2100 - View Map

Rick Anthony - State Farm Insurance Agent
6226 Bush River Rd b - Columbia, SC 29212 - (803) 781-9810 - View Map


1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map

View more agents

Picking the best insurance agent shouldn't rely on just a cheap price. Here are some questions to ask:

Will just any policy work for me?

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. You are unique.Higher deductibles save money

These are some specific questions can help discover whether your personal situation might need professional guidance.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

One last note

When trying to cut insurance costs, you should never buy poor coverage just to save money. Too many times, someone dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Affordable GMC Canyon insurance in Columbia can be purchased on the web as well as from insurance agents, so get free Columbia auto insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and usually these smaller providers work with independent insurance agents.

We've covered a lot of information how to find cheap GMC Canyon insurance in Columbia. The most important thing to understand is the more quotes you get, the better chance you'll have of finding inexpensive Columbia auto insurance quotes. You may even be surprised to find that the lowest auto insurance rates come from a lesser-known regional company.

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