Lower Your 2013 GMC Yukon XL Car Insurance Rates

Drivers have options when trying to find the best price on GMC Yukon XL insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to buy car insurance and you need to know the absolute fastest way to compare rates on a GMC and get the lowest possible price from both online companies and local agents.

Quote insurance coverage online

There are multiple methods to compare insurance coverage prices but one way is less time-consuming than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each company returns a competitive quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you want to select individual companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use the exact same coverage information for each quote you get. If you have differing limits it will be nearly impossible to decipher which rate is best.

Insurance Coverage Discounts

Companies offering auto insurance don’t necessarily list every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • One Accident Forgiven – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident without raising rates so long as you are claim-free for a specific time period.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts could save 15% off the PIP or medical payment premium.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get lower premium rates for Yukon XL coverage.
  • More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy can get a discount on all vehicles.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may get savings up to 30%.

One last thing about discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, nobody gets a free ride.

If you would like to see a list of companies with discount rates, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Every situation is different.

For instance, these questions may help you determine if you may require specific advice.

  • Does car insurance cover theft of personal property?
  • Can my babysitter drive my car?
  • Do I have newly-aquired coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I don’t drive much so do I pay less?
  • What are the financial responsibility laws in my state?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your GMC Yukon XL.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

This covers damage to your Yukon XL from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, pain medications and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverages

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different 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 means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.