Lower Your 2013 GMC Yukon Insurance Quotes

Wish you could get out of high-priced car insurance? It’s quite common and you’re not the only one.

Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price

Drivers can save with with these discounts

Companies that sell car insurance don’t list every policy discount very well, so we took the time to find a few of the more common as well as the least known insurance savings.

• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
• Policy Bundle Discount – If you can bundle your auto and home insurance and insure them with the same company you will save up to 20% and get you the cheapest car insurance.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• Clubs and Organizations – Being in qualifying employment or professional organizations could earn you a nice discount when getting a car insurance quote.
• College Student – Kids who live away from home at college and don’t have a car could get you a discount.
• Active Service Discounts – Having a deployed family member may qualify for rate reductions.
• E-sign Discounts – A few insurance companies may give you up to $50 just for signing your application on your computer.
• Government Employees – Federal government employees can save as much as 8% for Yukon insurance but check with your company.
• Senior Citizen Rates – Mature drivers can possibly qualify for a slight reduction on a car insurance quote for Yukon insurance.
• Save with a New Car – Buying a new car instead of a used car can get you a discount because new vehicles have to meet stringent safety requirements.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So even though you would think all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will reduce your policy cost.

A few of the larger companies and some of their more popular discounts include:

• Geico may have discounts that include driver training, federal employee, emergency military deployment, multi-policy, and seat belt use.
• USAA has savings for safe driver, loyalty savings, driver training, military installation, family discount, and annual mileage.
• Progressive has discounts for online quote discount, homeowner, continuous coverage, good student, multi-policy, and multi-vehicle.
• American Family offers discounts for TimeAway discount, bundled insurance, defensive driver, air bags, mySafetyValet, accident-free, and good student.
• Esurance may include discounts for anti-lock brakes, multi-policy, good student, homeowner, good driver, paid-in-full, and DriveSense.
• Farmers Insurance offers discounts including business and professional, teen driver, mature driver, electronic funds transfer, distant student, good student, and switch companies.
• State Farm includes discounts for passive restraint, multiple autos, Drive Safe & Save, accident-free, and good student.

If you want cheap car insurance quotes, ask every prospective company which discounts you qualify for. All car insurance discounts may not apply in your area. To locate insurers that can offer you the previously mentioned discounts, click here.

Your situation helps dictate your coverage

When buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Does coverage extend to my business vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Does insurance cover tools stolen from my truck?
• Do I need motorclub coverage?
• Why am I required to buy liability insurance?
• Is pleasure use cheaper than using my 2013 GMC Yukon to commute?
• When should I remove comp and collision on my 2013 GMC Yukon?
• Why am I required to get a high-risk car insurance policy?
• What is the minimum liability in my state?
• When can I cancel my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverage basics

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, EMT expenses and hospital visits. They are used to cover expenses not covered by 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 getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Yukon.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Collision coverage protection

This coverage covers damage to your Yukon caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, crashing into a building, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage, vandalism and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, bail bonds, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Shop. Compare. Save.

We’ve covered a lot of tips how to compare 2013 GMC Yukon insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the lowest car insurance rates are with the smaller companies. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive or Geico.

When getting car insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

Even more information is available in these articles:

• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Auto Insurance FAQ (Farmers Insurance)
• How do I File a Claim? (Insurance Information Insitute)