2004 GMC Yukon Insurance Quotes – 9 Tips to Save

Consumers have a choice when looking for the best price on GMC Yukon insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to compare rates for a new or used GMC and find the cheapest rates either online or from local insurance agents.

It’s a good idea to check auto insurance prices before your policy renews since prices change quite often. If you had the lowest rate on Yukon insurance at your last renewal other companies may now be cheaper. There is lot of inaccurate information about auto insurance on the internet, but we’re going to give you the best ways to stop overpaying for insurance.

If you are insured now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. The purpose of this post is to help you learn how to effectively get price quotes and some tips to save money. Drivers just need to know the proper methods to shop their coverage around over the internet.

How to buy insurance coverage online

Getting low cost 2004 GMC Yukon insurance coverage pricing is not rocket science. All that’s required is to invest a few minutes comparing rates to find out which insurance company has inexpensive car insurance quotes. This can be accomplished using one of these methods.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for a different quote for every company. A single form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A harder way to get comparison quotes is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you are doing a rate comparison from Allstate, Safeco and State Farm. You would have to navigate to each company’s site to enter your coverage information, which can take a lot of time. To view a list of companies in your area, click here.
  3. The hardest way of getting rate comparisons is actually driving to insurance agents’ offices. Doing it all online eliminates this option unless you require the trained guidance that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but purchase the actual policy in an agency.

Whichever way you use, ensure you’re using apples-to-apples coverage limits for each comparison quote. If you have higher or lower deductibles you can’t possibly get a fair rate comparison.

Save money with these nine discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that may help make it more affordable. Some of these disounts will be visible at the time of quoting, but some need to be specially asked for before being credited.

  • Telematics Data Discounts – Insureds who allow companies to spy on driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as the data is positive.
  • Driver Training Discounts – Taking a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may get savings of 20% or more.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Military Deployment Discount – Having an actively deployed family member could qualify you for better premium rates.
  • Bundled Policy Discount – If you combine your auto and home policies with the same company you could earn a discount of at least 10% off all policies.
  • Own a Home and Save – Owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • No Charge for an Accident – Not necessarily a discount, but a few companies such as Allstate, State Farm and Geico will turn a blind eye to one accident before your rates go up if your claims history is clear for a specific time period.

One last thing about discounts, many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

The best car insurance companies and their possible discounts are shown below.

  • Geico may have discounts that include anti-lock brakes, membership and employees, defensive driver, seat belt use, multi-vehicle, and anti-theft.
  • Travelers may include discounts for IntelliDrive, multi-policy, continuous insurance, good student, early quote, and driver training.
  • Farm Bureau offers discounts including 55 and retired, multi-vehicle, safe driver, driver training, youthful driver, multi-policy, and renewal discount.
  • Liberty Mutual has savings for preferred payment discount, new vehicle discount, new move discount, new graduate, exclusive group savings, multi-policy, and good student.
  • American Family has discounts for good student, mySafetyValet, air bags, accident-free, and good driver.
  • Progressive offers discounts for good student, multi-vehicle, continuous coverage, homeowner, online signing, online quote discount, and multi-policy.

When quoting, ask every company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your area.

What is the best auto insurance coverage?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you may require specific advice.

  • Can I still get insurance after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I sign the liability waiver when renting a car?
  • What exactly is covered by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, emergency aid, legal defense fees, attorney fees and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage pays for damage to your Yukon from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, rolling your car, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, rehabilitation expenses, dental work, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. 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 dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Be a money saver!

When shopping online for insurance, do not reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Some insurance providers may not provide internet price quotes and these regional insurance providers prefer to sell through independent agents. Budget-friendly insurance can be purchased on the web as well as from insurance agents, so you should compare both to get a complete price analysis.

People change insurance companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, delays in paying claims or even lack of trust in their agent. It doesn’t matter why you want to switch finding a new insurance company is not as difficult as it may seem.

More information is available at the links below

Comments About 2004 GMC Yukon Insurance

  1. Toney Shields

    21st Century is pretty cheap in Kansas! :)

  2. Hiroko Vaughan

    Like your site, BTW. Went with Auto-Owners for my 2004 GMC Yukon and cut my rates about $70 a year. I got prices on the web.

  3. Kirstie Keith

    How are claims handled by State Farm around Mobile, AL?

  4. Phil Hester

    Located in Aberdeen, SD. Quoted with State Farm, American Family, Eastwood, and The General for my 2004 GMC Yukon and I think I saved around $20 each month. Was with GEICO. Not sure about claim service.

  5. Arlene Harper

    Any companies in Green Bay, Wisconsin that will insure a DUI?

  6. Maurita Slater

    Thanks for putting this site together. Proud to be from Reno, NV. I got free quotes with Safeco, Encompass, Progressive, and AIG Insurance for my GMC and saved just over $90 a year. Not worth enough to pay for comprehensive and collision.

  7. Carisa Summers

    I’m from Montgomery, AL. Got car insurance prices from AAA, Encompass, and MetLife for my Yukon and cut my rates about $60 a year. Not sure if rates are cheaper online or not.

  8. Aimee Klein

    It all costs too much. I live just to the west of Omaha, NE. Got prices from Western Auto Insurance, AIG Insurance, GMAC, and MetLife for my GMC and am saving around $70 a year.

  9. Ellie Schwartz

    For me, Progressive was by far the cheapest in Omaha, NE.

  10. Kenya Gaines

    If you don’t have tickets and live near Jackson, Mississippi, check out GEICO. They seem to be cheaper. Left Nationwide to switch. Hopefully won’t need it.