2014 GMC Yukon Insurance Quotes – 5 Tips to Save

Drivers have options when trying to find low-cost GMC Yukon insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for your GMC and get the cheapest rates from both online companies and local agents.

It is always a good idea to compare prices as often as possible because auto insurance prices are variable and change quite frequently. Just because you found the lowest rate on Yukon insurance six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn the easiest way to properly buy coverages and cut your premium.

If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices and still get good coverage. This article will tell you the best way to quote coverages and some tips to save money. Vehicle owners just need to understand how to compare company rates online.

How to get cheap car insurance

There are multiple methods to shop for car insurance, and some are more efficient than others. You could waste time driving to insurance companies in your area, or you could save time and use the web to get prices fast.

Most major companies belong to an insurance system where insurance shoppers enter their policy data once, and every company then gives them pricing based on that data. This system prevents you from having to do quotation requests to each individual car insurance company. To participate in this free quote system, click here to start a free quote.

The only downside to using this type of form is you are unable to specify the companies you want pricing from. If you prefer to choose individual companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

Whichever way you use, double check that you are using equivalent coverages and limits on every quote. If you are comparing higher or lower deductibles you will not be able to make a fair comparison for your GMC Yukon.

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Do drivers who switch really save $478 a year?

Consumers can’t escape the ads for car insurance savings from the likes of State Farm, Allstate and Geico. They all seem to convey the message about saving some big amount if you switch your car insurance policy to them.

Is it even possible that every company can say the same thing? This is the trick they use.

Different companies have specific guidelines for a prospective insured that earns them a profit. For example, this type of insured may need to be over the age of 35, owns their home, and does not commute to work. A propective insured that matches those criteria receives the best auto insurance rates and therefore will save quite a bit of money when switching.

People who don’t measure up to these stringent criteria may be forced to pay a higher premium which translates to the customer buying from a different company. The trick is to say “people who switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully make claims like that. This emphasizes why it’s extremely important to do a quote comparison often. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

Save money with these five discounts

Some companies don’t always list all available discounts very clearly, so the list below details both well-publicized and also the more inconspicuous discounts that you may qualify for.

• No Claims – Insureds who avoid accidents and claims can save substantially when compared to frequent claim filers.
• Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save 10% or more off the PIP or medical payment premium.
• Good Student – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Early Signing – Select companies give a discount for buying a new policy early. It can save you around 10%.
• Telematics Discount – People who choose to allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.

Policy discounts save money, but most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, companies don’t profit that way.

Popular insurance coverage companies and some of the premium reductions they offer are included below.

• Geico policyholders can earn discounts including five-year accident-free, driver training, air bags, federal employee, good student, anti-theft, and membership and employees.
• Travelers includes discounts for IntelliDrive, hybrid/electric vehicle, multi-policy, early quote, home ownership, multi-car, and good student.
• Farm Bureau offers premium reductions for 55 and retired, driver training, youthful driver, renewal discount, multi-vehicle, and multi-policy.
• Liberty Mutual has discounts for preferred payment discount, new vehicle discount, new graduate, teen driver discount, safety features, multi-car, and good student.
• American Family may include discounts for mySafetyValet, air bags, early bird, defensive driver, TimeAway discount, good student, and Steer into Savings.
• Progressive offers discounts including online signing, homeowner, multi-vehicle, online quote discount, multi-policy, continuous coverage, and good student.

It’s a good idea to ask all companies you are considering to give you their best rates. Some discounts listed above might not apply in your area. If you would like to see a list of providers that offer the discounts shown above, click this link.

Auto insurance can be complex

When buying the best auto insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• How do I insure my teen driver?
• What discounts do I qualify for?
• How many claims can I have before being cancelled?
• Am I covered if hit by an uninsured driver?
• Should I have combined single limit or split liability limits?
• Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

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Specific coverage details

Having a good grasp of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird, vandalism, damage from getting keyed and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like X-ray expenses, chiropractic care and funeral costs. They are used in conjunction with a health insurance program 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 universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Yukon resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Yukon.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Have money to burn

Low-cost 2014 GMC Yukon insurance can be purchased on the web as well as from independent agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance providers do not offer rate quotes online and these smaller providers sell through independent agencies.

We’ve covered many tips how you can save on 2014 GMC Yukon insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with the least-expected company.

Insureds change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, finding a new company can be less work than you think.

For more information, link through to these articles:

• Auto Insurance 101 (About.com)
• Vehicle Size and Weight FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)

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