Cheap 2014 GMC Yukon Insurance Quotes

Want lower car insurance rates for your GMC Yukon? Wish you could get out of an expensive car insurance policy? You’re preaching to the choir because many consumers are in the same pinch. Due to the large number of insurance companies to choose from, it is hard for the average consumer to find the lowest cost insurer.

Choosing the best insurance company for you is not that difficult. If you have a policy now or are just looking to switch companies, you can use these techniques to cut your premiums while maximizing coverage. Drivers just need to understand the most efficient way to shop their coverage around online.

Save money with these tips

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for auto insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that can help you get lower auto insurance prices.

• Put fewer miles on your vehicle – Driving more miles in a year’s time the more it will cost to insure it. Many insurance companies charge rates based upon how you use the vehicle. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your auto insurance policy reflects the proper vehicle usage, because it can save money. Improper usage on your Yukon can cost quite a bit.
• Cheaper rates with safer cars – Vehicles with good safety scores get lower rates. Safer cars reduce occupant injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you.
• Prevent theft and lower premiums – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.
• Poor driving means higher prices – Whether or not you get tickets impacts premiums far more than you think. Even a single moving violation may cause rates to rise to the point where it’s not affordable. Attentive drivers have lower premiums than bad drivers. Drivers who have received severe violations like DUI, reckless driving or excessive speeding may need to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
• Always have auto insurance – Driving without insurance coverage in place can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay higher rates, getting caught without coverage could earn you a hefty fine and possibly a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Driver age impacts premiums – Drivers with little experience have been known to be easily distracted when driving therefore auto insurance rates are much higher. Having to add a beginning driver to your auto insurance policy can break the bank. Mature drivers are shown to be more cautious, file fewer claims and get fewer tickets.
• Insurance rates for married couples – Getting married may earn you lower rates on your policy. Having a significant other demonstrates that you tend to be more mature and statistics show married drivers tend to have fewer serious accidents.
• Liability risk factors in – Your policy’s liability coverage kicks in if ever a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

The cheapest insurance coverage price quotes

Getting a more affordable price on 2014 GMC Yukon insurance is surprisingly easy. Just take a few minutes comparing rate quotes provided by online insurance companies. Insurance prices can be quoted using a couple different methods.

1. The fastest and easiest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate forms for every prospective company. Taking the time to complete one form will get you rate comparisons from multiple companies.
2. A less efficient way to get comparison quotes requires a visit to the website for each individual company to request a price quote. For sake of this example, we’ll assume you want to view quotes from USAA, 21st Century and Geico. You would have to navigate to each company’s site to input your insurance information, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter identical quote information for every quote you compare. If the quotes have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

Are car insurance companies telling the truth?

Consumers can’t get away from all the ads that claim the lowest prices by State Farm, Geico and Progressive. They all seem to state the claim that you can save if you switch your car insurance policy to them.

How is it plausible that every one can make almost identical claims?

Companies quote the lowest rates for the type of customer that earns them a profit. For instance, a profitable risk profile may be between 25 and 40, has no tickets, and drives newer vehicles. Any driver who fits that profile receive the lowest rate quotes and will save when they switch companies.

Potential customers who fall short of those criteria will probably have to pay higher prices with the end result being the prospect going elsewhere. The ad wording is “people that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can truthfully make those statements. Because each company has a different risk profile, you absolutely need to compare free insurance quotes often. Because you cannot predict which company will have the lowest auto insurance rates for your situation.

Take advantage of every insurance discount

Insurance is expensive, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you quote, but some need to be manually applied prior to getting the savings.

• First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase if you have no claims prior to being involved in the accident.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new model year vehicles.
• Switch and Save Discount – Select insurance companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
• Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
• Student Discounts – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
• Federal Government Employee – Having worked for a branch of the government can save as much as 8% on Yukon insurance but check with your company.

Just know that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts should definitely cut your premiums.

To find insurance companies who offer discounts, click here to view.

How to know if you need help

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation will benefit from professional help.

• What should my uninsured motorist coverage limits be in my state?
• What if I owe more than I can insure my car for?
• Is a blown tire covered by insurance?
• Who is covered when they drive my 2014 GMC Yukon?
• Why do I need rental car insurance?
• What discounts do I qualify for?
• Do I pay less for low miles?
• How much liability coverage do I need in my state?
• Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like EMT expenses, funeral costs, ambulance fees, dental work and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – This provides protection from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like bail bonds, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision – Collision coverage will pay to fix damage to your Yukon resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, backing into a parked car, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Shop around and save

We just presented quite a bit of information on how to lower your 2014 GMC Yukon insurance car insurance rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. Consumers may even find the lowest car insurance rates come from a small mutual company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Some companies don’t offer rates over the internet and these smaller companies only sell through local independent agencies. Lower-priced 2014 GMC Yukon insurance can be bought from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

When shopping online for auto insurance, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

More learning opportunities

• Frontal Crash Tests (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)