Compare 2014 GMC Yukon XL Insurance Rates

Searching for cheaper insurance for a GMC Yukon XL can normally be a lot of work, but you can use these tips and make it easy. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a GMC and obtain the lowest possible price from local insurance agents and online providers.

If you have a current auto insurance policy or need new coverage, you can use these techniques to find the best rates while maintaining coverages. Locating the lowest cost auto insurance coverage is quite easy. Consumers just need to know the best way to compare company rates online.

Learn how to buy car insurance cheaper

Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are more obscure such as your marital status and annual miles driven.

  • Expect high rates for teens – More experienced drivers tend to be more responsible, cause fewer claims and accidents and are safer drivers.Beginning drivers are statistically proven to be inattentive when driving therefore car insurance rates are much higher.
  • No policy gaps is important – Going without insurance is a quick way to bump up your car insurance costs. Not only will rates go up, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Prevent theft and reduce premiums – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • File car insurance claims and pay more – Auto insurance companies give cheaper rates to people who only file infrequent claims. If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Where you live – Having an address in less populated areas of the country is a good thing when trying to find low car insurance rates. People who live in big cities regularly have more auto accidents and more severe claims. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims
  • Prices also based on gender – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. They both are responsible for accidents at a similar rate, but the men have costlier accidents. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Young males generally have the highest accident percentage and thus pay the highest rates.
  • Tickets and citations cost more than a fine – Your driving record can have a huge impact on auto insurance premiums. Attentive drivers pay less for auto insurance than their less careful counterparts. Having just one moving violation may cause rates to rise forty percent or more. Drivers who have dangerous tickets like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Policy add-ons add up – There are quite a few extra bells and whistles that sound like a good idea at the time but may not be useful. Insurance for replacement cost coverage, better glass coverage, and extra life insurance coverage may be wasting your money. They may sound like good ideas when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.

Save money by taking advantage of discounts

Companies offering auto insurance don’t necessarily list every discount very clearly, so the list below details a few of the more well known as well as some of the hidden savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • New Car Discount – Insuring a new car may earn a small discount because newer models have to meet stringent safety requirements.
  • Defensive Driver Discount – Successfully completing a course teaching defensive driving skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Homeowners Savings – Being a homeowner may earn you a small savings since home ownership requires personal responsibility.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies who might offer many of the previously listed discounts may include but are not limited to:

Double check with every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to see a list of insurance companies with the best discounts, click here to view.

How much insurance do I need?

When choosing adequate coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions can help discover whether or not you may require specific advice.

  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy liability insurance?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • Do I pay less for low miles?
  • Do all my vehicles need collision coverage?
  • How do I buy GAP insurance?
  • What is medical payments coverage?
  • Should I buy full coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your GMC Yukon XL.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, surgery and hospital visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Yukon XL from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers claims like damage from flooding, falling objects and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, medical expenses, legal defense fees, structural damage and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Don’t throw your cash in the trash

You just read a lot of tips how to save on 2014 GMC Yukon XL insurance. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as not issuing a premium refund, high prices, being labeled a high risk driver or even policy non-renewal. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

Some companies may not have online price quotes and usually these regional carriers provide coverage only through independent agencies. Cost effective 2014 GMC Yukon XL insurance can be bought both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from.

Additional auto insurance information can be read below:

Comments About 2014 GMC Yukon XL Insurance

  1. Eugena Sykes

    I’m in the suburbs of Birmingham, AL. Got rates from 21st Century, Erie, and Hanover for my Yukon XL and I’m now saving $39 a month. I recommend comparing lots of rates.

  2. Jonathan Roach

    I’m just west of Wilmington, DE. I quoted with State Farm, Esurance, and Hartford for my 2014 GMC Yukon XL and saved just over $180 a year. Insured with Erie before.

  3. Nichelle Washington

    Proud to be from Virginia Beach, VA. Checked online prices for a 2014 GMC Yukon XL. Ended up at about $100 savings annually. Went with 21st Century.

  4. Magaly Bowman

    I was with GMAC last year but switched to GEICO. From northwest of Wilmington, DE.

  5. Shari Finley

    I’m in Reno, Nevada. Quoted quotes with Auto-Owners, Safeco, and a few others for my 2014 GMC Yukon XL and saved just over $470 a year. I think they have home insurance too. Just waiting to see how claims go.

  6. Rossie Barron

    I live just outside Newark, NJ. Got rates from MetLife, Encompass, State Farm, and Auto-Owners for my Yukon XL and I’m now saving $34 a month.

  7. Kecia Cummings

    Found cheapest coverage with Nationwide for my GMC and am saving around $160 a year. Even increased coverage a bit. Still almost need a second mortgage.

  8. Josef Burris

    I’m looking for cheaper coverage. I’m in the north part of Overland Park, KS. I quoted with The General, Amica, Nationwide, and a couple others for my Yukon XL and I think I am saving around $40 each month. Left American Family to switch. A clean driving record helps.

  9. Bambi Kerr

    I live in Hilo, HI. Not sure of all the companies but I ended up saving about $30 each month. I get lower rates because of my clean driving record.

  10. Colton Nunez

    Is Allstate cheaper than GEICO in Great Falls, MT?

  11. Dallas Oneil

    If you don’t have tickets and live in the vicinity of Norfolk, VA, check out Allstate. They seem to be cheaper. Thankfully I’m not a high risk driver.

  12. Brande Lowe

    Does California require liability coverage?

  13. Orlando Davis

    I live on the west side of Chicago, Illinois. Checked online prices for a 2014 GMC Yukon XL. Ended up at about $350 savings annually. Went with Progressive. Have an at-fault accident tho.