Lower Your 1999 GMC Yukon Insurance Quotes

Looking for better insurance coverage rates for your GMC Yukon? Buying more affordable insurance coverage may at first seem to be difficult for vehicle owners that are not comfortable with quoting and buying insurance over the internet. Since there are so many online companies available, how can vehicle owners even start to compare every possible option in order to find lower insurance coverage premiums?

It’s smart to compare rates as often as possible because insurance coverage prices are constantly changing. If you had the best rate for Yukon coverage last year there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the best methods to save money, get proper coverage and the best rates.

Shopping for the cheapest car insurance coverage is easy if you know what you’re doing. Just about everyone who has to buy car insurance will be able to find better rates. But drivers need to learn how the larger insurance companies determine prices and use this information to your advantage.

How to buy insurance coverage online

When shopping for insurance coverage there are multiple ways to compare rate quotes from companies that offer insurance coverage in your state. The easiest way to lower the rate you pay for 1999 GMC Yukon insurance involves getting comparison quotes online. This is quite simple and can be completed in several different ways.

  • If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This style of form keeps you from doing separate quotation requests for each company. One form will get you price quotes from insurance coverage companies with the best prices. It’s definitely the quickest method.
  • A more difficult way to compare prices consists of going to each individual company website and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from USAA, Allstate and Progressive. To get each rate you have to visit each site to enter your coverage information, which can get old fast. To view a list of companies in your area, click here.

It’s up to you which method you use, but compare the same coverage data for each price quote. If you have differing limits it will be very difficult to make a fair comparison for your GMC Yukon. Having just a slight variation in coverage limits could throw off the whole comparison. And when price shopping your coverage, having more price comparisons helps locate more affordable insurance.

Drivers save money with these discounts

Car insurance is not cheap, but there could be significant discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but less common discounts must be specially asked for before you get the savings.

  • Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for Yukon coverage but check with your company.
  • Defensive Driving Course – Participating in a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
  • Data Collection Discounts – Policyholders that allow their company to analyze driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • One Accident Forgiven – This one isn’t a discount, but companies like Progressive, State Farm and Geico will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a specific time period.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper because newer models keep occupants safer.
  • Military Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Anti-lock Brake System – Cars with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Popular auto insurance companies and some of their more popular discounts can be found below.

  • Farmers Insurance has savings for teen driver, homeowner, early shopping, multi-car, good student, distant student, and business and professional.
  • State Farm has discounts for accident-free, defensive driving training, passive restraint, student away at school, Steer Clear safe driver discount, good student, and Drive Safe & Save.
  • Liberty Mutual offers premium reductions for hybrid vehicle, multi-car, safety features, preferred payment discount, good student, newly married, and multi-policy.
  • MetLife policyholders can earn discounts including defensive driver, accident-free, good student, good driver, and claim-free.
  • Progressive may offer discounts for online signing, multi-vehicle, homeowner, multi-policy, online quote discount, and continuous coverage.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Savings might not be available to policyholders in your area.

Special considerations

When buying the best auto insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What can I do if my company denied a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Are rental cars covered under my policy?
  • Which companies will insure high-risk drivers?
  • What is PIP insurance?
  • How do I buy GAP insurance?
  • Does having multiple vehicles earn me a discount?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your GMC Yukon.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, falling objects and damage from flooding. 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.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, colliding with a tree, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like hospital visits, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage