2012 GMC Yukon Hybrid Insurance Quotes – 9 Tips to Save

Searching for cheaper auto insurance rates for your GMC Yukon Hybrid? Comparing car insurance rates is not a process consumers love to do, but unfortunately it’s required to be legal behind the wheel.

You need to get comparison quotes periodically because prices tend to go up over time. If you had the lowest price for Yukon Hybrid coverage a few years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so I’m going to show you a bunch of ideas how to quit paying high auto insurance rates.

Free Car Insurance Quotes

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. By far the easiest way to compare 2012 GMC Yukon Hybrid insurance prices consists of shopping online. This can be done in several different ways.

Probably the best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate forms for each company. Filling out one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.

Another way to find lower rates is going to each company’s website to complete a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, State Farm and American Family. You would have to go to every website and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use apples-to-apples coverages for each price quote. If you compare different limits and deductibles on each one it’s impossible to make a fair comparison for your GMC Yukon Hybrid. Having just a slight variation in insurance coverages may result in large price differences. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting a better price.

Lots of discounts mean lots of savings

Companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known car insurance savings.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Yukon Hybrid coverage with certain companies.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Yukon Hybrid coverage than drivers with accident claims.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts until age 25.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • No Claims – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts up to 30%.
  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of providers who offer car insurance discounts, click here.

Situations that might require an agent

When choosing adequate coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • How much can I save by bundling my policies?
  • Is extra glass coverage worth it?
  • What is UM/UIM insurance?
  • Do all my vehicles need collision coverage?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Save $472 a year? Really?

Auto insurance companies such as 21st Century, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you can save if you move to their company. But how can every company say the same thing? This is how they do it.

Different companies can use profiling for the right customer they prefer to insure. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and chooses high deductibles. A customer who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Drivers who do not match the requirements must pay more money which usually ends up with the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently state the savings. This illustrates why drivers must quote coverage with many companies. It’s just too difficult to predict which auto insurance company will have the lowest GMC Yukon Hybrid insurance rates.

Car insurance coverages for a 2012 GMC Yukon Hybrid

Knowing the specifics of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance covers damage to your Yukon Hybrid from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Yukon Hybrid.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, EMT expenses, hospital visits, prosthetic devices and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Don’t break the bank

We just presented many ideas to compare 2012 GMC Yukon Hybrid insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best prices are with a small local company.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Discount insurance can be found online and also from your neighborhood agents, so compare prices from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

More detailed auto insurance information is available in the articles below: