2017 GMC Yukon Insurance Quotes – 6 Tricks for Cheaper Rates

Are you kicking yourself for buying high-priced auto insurance? It’s quite common and many drivers have buyer’s remorse.

Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a company and get the best coverage at the best rate

Low cost insurance

Shopping for lower insurance rates can be challenging if you don’t know the most efficient way. You could waste time driving to agents in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies take part in a program where prospective buyers submit their information once, and every company returns a competitive quote based on that information. This eliminates the need for quote requests for each company you want a rate for. To compare pricing click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the providers to get pricing from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using exactly the same quote data for each quote you get. If each company quotes different coverage information you will not be able to make a fair comparison for your GMC Yukon. Just a small difference in limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes will enable you to find better pricing. Some companies don’t provide online rate quotes, so it’s necessary to compare prices from them as well.

Verify you’re earning every discount

Insuring your vehicles can cost a lot, but you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some must be requested specifically before they will apply.

Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with the same company can get a discount on all vehicles.
Renewal Discounts – Some car insurance companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
Safety Course Discount – Taking time to complete a class that teaches defensive driver techniques is a good idea and can lower rates and easily pay for the cost of the class.
Professional Organizations – Participating in a civic or occupational organization may earn a discount when getting a insurance coverage quote.
Discounts for Good Drivers – Safe drivers can save as much as half off their rates for Yukon insurance compared to rates paid by drivers with frequent claims.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.

To see a list of insurance companies who offer discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

Should I rate my 2017 GMC Yukon as pleasure use or commute?
What exactly is covered by my policy?
Does my insurance cover my expensive audio equipment?
How high should deductibles be on a 2017 GMC Yukon?
When can I cancel my policy?
Is my teenager covered with friends in the car?
Will filing a claim cost me more?
Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, you might consider talking 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

Insurance specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, theft, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, rehabilitation expenses, hospital visits, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance covers damage to your Yukon resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.