2013 GMC Yukon XL Insurance Rates

Looking for the cheapest auto insurance rates for your GMC Yukon XL? Are you burned out from scraping nickels together to pay auto insurance each month? You are no different than the majority of other people. Big-name insurance companies like GEICO, 21st Century and Progressive constantly bombard you with advertising and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should take the time to do rate comparisons every six months because prices are rarely the same from one policy term to another. Even if you think you had the lowest price for Yukon XL coverage last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

Get lower-cost car insurance with discounts

Some insurers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Anti-lock Brake Discount – Cars with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Claim Free – Drivers who stay claim-free pay much less as opposed to insureds who have frequent claims or accidents.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less since new model year vehicles are generally safer.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Yukon XL coverage but check with your company.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Life Insurance – Some insurance carriers give a small discount if you purchase a life insurance policy as well.
  • College Student Discount – who live away from home at college and do not have a car could qualify for this discount.
  • Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

Don’t be surprised that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will definitely reduce your car insurance premiums.

Insurance companies that may have some of the above discounts may include but are not limited to:

If you are trying to find cheap insurance coverage quotes, ask every company to apply every possible discount. A few discounts may not apply to policyholders in your area. To choose insurers with the best car insurance discounts, click here.

Buy auto insurance online

The majority of larger companies such as Progressive, Allstate and GEICO allow you to get prices for coverage on the web. This process is pretty painless as you simply enter your coverage information into the form. After you submit the form the system will order your driving and credit reports and returns a price based on these factors. Online quotes streamlines rate comparisons, but the time it takes to visit multiple sites and type in your information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for the lowest possible prices on auto insurance.

There is a better way to compare rates

The preferred way to compare rates utilizes a single form that analyzes rates from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you can choose your choice of the quote results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process only takes a few minutes and can result in significant savings.

To save time and compare pricing, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. Doing this assures you are getting a fair comparison based on the exact same insurance coverage.

Tailor your insurance coverage coverage to you

When choosing coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you will benefit from professional help.

  • Do I need an umbrella policy?
  • Does my insurance cover a custom paint job?
  • Is my 2013 GMC Yukon XL covered for flood damage?
  • Should I get collision insurance on every vehicle?
  • Should I buy only the required minimum liability coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won’t pay a claim?
  • Will my rates increase for filing one claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Yukon XL.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance will pay to fix damage to your Yukon XL resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, falling objects and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have 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. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, medical services, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Smart shoppers get results

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

There are still a few companies who do not provide online quoting regional carriers work with independent agents. Affordable 2013 GMC Yukon XL insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection.

In this article, we presented a lot of information how to lower your 2013 GMC Yukon XL insurance car insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies. These companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

Additional auto insurance information is available on the following sites: