Compare 2013 GMC Yukon Insurance Rates

Want better car insurance rates for your GMC Yukon? Expensive car insurance can empty your personal savings and put a big crunch on your finances. Shopping your coverage around is a smart way to help make ends meet.

Insurance companies such as Geico, 21st Century and Progressive continually bombard you with advertising and it can be hard to see through the deception and effectively compare rates to find the best deal.

It’s important to take a look at other company’s rates periodically because prices tend to go up over time. Even if you think you had the lowest rates for Yukon insurance six months ago you may be paying too much now. You can find a lot of misleading information regarding car insurance online, so by reading this article, you’re going to learn some of the best ways to save money.

Free Insurance Coverage Quotes

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The simplest method to find competitive 2013 GMC Yukon insurance rates is simply to get online rate quotes. This can be done in several different ways.

1. The first (and easiest) way to get quotes is a comparison rater form (click to open form in new window). This easy form keeps you from doing multiple quote forms for each company. One quote request gets you price quotes from several companies.
2. A harder way to find lower rates requires a trip to each company website to complete a price quote. For example, we’ll pretend you want to compare Auto-Owners, Safeco and Liberty Mutual. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage information for every company. If each company quotes higher or lower deductibles it will be next to impossible to make a fair comparison for your GMC Yukon. Just a small difference in insurance coverages may cause a big price difference. Just keep in mind that quoting more will enable you to find better pricing.

Save with discounts on GMC Yukon insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Most are applied at the time of quoting, but some must be asked about before you will receive the discount.

• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Accident Forgiveness – Some insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
• Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Yukon insurance than drivers with accident claims.
• Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
• Senior Discount – Older drivers may be able to get a discount up to 10% for Yukon insurance.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Club Memberships – Affiliation with certain professional organizations could trigger savings on insurance for Yukon insurance.
• Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.

Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down the cost of coverage.

For a list of companies with discount insurance rates, click this link.

Tailor your coverage to you

When buying adequate coverage, there really is no one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might point out whether or not you could use an agent’s help.

• Is my nanny covered when driving my vehicle?
• How do I file an SR-22 for a DUI in my state?
• Will my rates increase for filing one claim?
• Is my 2013 GMC Yukon covered for smoke damage?
• Why am I required to buy high-risk coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Does coverage extend to a rental car in a foreign country?
• Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average auto insurance policy.

Liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, emergency aid, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision – This will pay to fix damage to your Yukon resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like X-ray expenses, hospital visits, EMT expenses, surgery and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, a tree branch falling on your vehicle, theft, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your GMC Yukon.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.