Compare 1997 GMC Yukon Insurance Quotes

Trying to find lower insurance rates for your GMC Yukon? Wish you could get out of overpriced insurance? Don’t sweat it because you’re not the only one. People have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates.

Get lower-cost insurance coverage quotes with discounts

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain reductions will be credited when you purchase, but a few need to be specially asked for before being credited.

• Membership in Organizations – Affiliation with certain professional organizations could qualify you for a break when getting a insurance quote.
• Student Discounts – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with the same company can get a discount for every vehicle.
• Paperwork-free – A handful of larger companies will discount your bill up to fifty bucks simply for signing over the internet.
• Waiver for an Accident – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Geico will allow you to have one accident without raising rates if you are claim-free for a specific time period.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
• Active Military Service – Being deployed in the military could be rewarded with lower prices.
• Federal Employees – Simply working for the federal government could cut as much as 10% off for Yukon coverage with select insurance companies.
• Switch and Save Discount – Some companies reward drivers for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.
• Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

The best insurance coverage companies and their offered discounts are shown below.

• Farmers Insurance has savings for good student, youthful driver, multi-car, early shopping, bundle discounts, business and professional, and electronic funds transfer.
• State Farm may include discounts for safe vehicle, multiple autos, passive restraint, good driver, student away at school, multiple policy, and Drive Safe & Save.
• Liberty Mutual may offer discounts for exclusive group savings, multi-policy, safety features, multi-car, and preferred payment discount.
• MetLife has discounts for accident-free, good student, claim-free, good driver, and multi-policy.
• Progressive includes discounts for homeowner, continuous coverage, good student, multi-vehicle, and online signing.

Check with every company which discounts you may be entitled to. Some discounts listed above may not apply in your area. To locate companies that can offer you the previously mentioned discounts, follow this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare quotes for auto insurance

There are a variety of methods to shop for auto insurance, and some are more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use the web to quickly compare rates.

Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and each participating company returns a competitive quote determined by their information. This saves time by eliminating quote forms for each company.

To find out what other companies charge click here to open in new window.

One minor caviat to getting quotes like this is you cannot specify which insurance companies to get pricing from. So if you want to select specific providers to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

However you get your quotes, double check that you are using nearly identical quote information on every quote you get. If each company quotes different deductibles it will be nearly impossible to determine the best price for your GMC Yukon.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

• Can my teen drive my company car?
• What vehicles should carry emergency assistance coverage?
• Is my teenager covered with friends in the car?
• Do I need an umbrella policy?
• Does coverage extend to a rental car in a foreign country?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does insurance cover damages from a DUI accident?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your Yukon caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, crashing into a building, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Yukon.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, structural damage, funeral expenses, emergency aid and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like surgery, doctor visits, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Be a Smart Shopper

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We’ve covered a lot of ways to save on 1997 GMC Yukon insurance. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

Additional detailed information is available in the articles below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption