2013 GMC Yukon XL Insurance Quotes

Want better car insurance rates for your GMC Yukon XL? Having to pay for overpriced car insurance can empty your savings account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Drivers have so many car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it makes it harder to compare rates.

It’s important to get comparison quotes every six months because rates fluctuate regularly. Even if you got the best deal for Yukon XL insurance two years ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.

Finding affordable coverage is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Drivers just need to learn the most efficient way to compare rates on the web.

Factors that can influence insurance rates for a GMC Yukon XL

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with better auto insurance rates.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Better credit scores mean better rates – Credit rating is a huge factor in determining what you pay for auto insurance. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. If your credit can use some improvement, you could potentially save money when insuring your 2013 GMC Yukon XL by repairing your credit.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as lawyers, executives and financial analysts have higher average rates because of stressful work requirements and long work hours. Conversely, professions such as farmers, engineers and homemakers get better rates for Yukon XL insurance.
  • Rural vs Urban Areas – Choosing to live in a small town can save you money when it comes to auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • Policy add-ons can waste money – There are a ton of add-on coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and term life insurance are examples of these. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.

Verify you’re getting all your discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% for Yukon XL insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • E-sign – Some insurance companies give back up to $50 just for signing your application online.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

To see a list of providers who offer insurance coverage discounts, follow this link.

When should I talk to an agent?

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Can I rent a car in Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I hit a deer?
  • Do I need higher collision deductibles?
  • Should I bundle my homeowners policy with my auto?
  • When do I need to add a new car to my policy?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

What car insurance coverages do you need?

Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 GMC Yukon XL.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, surgery, prosthetic devices, nursing services and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

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

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Pennies from heaven

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

In this article, we covered some good ideas how you can get a better price on 2013 GMC Yukon XL insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Cheap insurance is possible on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

To read more, take a look at the following helpful articles: