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1998 GMC Yukon Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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Average insurance rates for a 1998 GMC Yukon are $924 a year for full coverage. Comprehensive costs around $154 each year, collision costs $170, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,976. Teenage drivers receive the highest rates at $3,744 a year or more.

Annual premium for full coverage: $924

Rate estimates for 1998 GMC Yukon Insurance

Comprehensive $154
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1998 GMC Yukon models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $496 for just liability insurance to a high rate of $1,976 for high-risk insurance.

Liability Only $496
Full Coverage $924
High Risk $1,976

View Chart as Image

1998 GMC Yukon insurance rates compared
Column chart showing 1998 GMC Yukon insurance prices range from $571 to $3,744 for full coverage

These differences show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1998 GMC Yukon Insurance

Searching Companies

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, many consumers feel financially strained by their car insurance policy. Since consumers have many insurance providers from which to choose, it can be impossible to choose the best provider.

It is always a good idea to shop coverage around at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rates on Yukon insurance a few years ago you can probably find a lower rate today. There is a lot of wrong information about car insurance online but I’m going to show you some excellent ideas to put money back in your pocket.

Compare the Market for Auto Insurance

Getting better 1998 GMC Yukon auto insurance pricing is not a difficult process. All that’s required is to spend a few minutes to compare quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method eliminates the need for repetitive form submissions for each company you want a rate for. Filling out one form gets you price quotes from auto insurance companies with the best prices.
  2. A harder way to analyze rates requires a trip to the website for each individual company to complete a price quote. For examples sake, let’s assume you want rates from Farmers, State Farm and Travelers. You would have to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you use, ensure you’re using exactly the same coverage information for every company. If you have differing limits it will be very difficult to determine the best price for your GMC Yukon.

Why you might be paying too much to insure your GMC Yukon

An important part of buying insurance is that you know the different types of things that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in lower insurance prices.

  • An active claims history can cost you – Car insurance companies generally give lower rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Where you reside plays a part – Residing in a rural area is a positive aspect when buying insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Always keep insurance in force – Allowing your coverage to lapse will be a quick way to pay more for insurance. And not only will your rates increase, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Traffic violations increase rates – Even one citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • E-sign – Some insurance companies give back up to $50 for buying your policy on their website.
  • New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums on Yukon insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings up to 30%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

It’s important to note that most discount credits are not given the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

Insurance companies that possibly offer some of the above discounts are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in every state.

When should I use an insurance agent?

When choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my medical payments coverage pay my health insurance deductible?
  • Which companies will insure high-risk drivers?
  • What is no-fault insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need replacement cost coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like surgery, pain medications, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle, hitting a deer and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

This will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different 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. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, funeral expenses, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree, hitting a parking meter, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Better coverage you can count on

We covered a lot of techniques to reduce 1998 GMC Yukon insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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Rates by U.S. City

1998 GMC Yukon Insurance Rates by City
City Premium
New York City, NY $1,464
Los Angeles, CA $1,581
Philadelphia, PA $1,238
Jacksonville, FL $1,343
Phoenix, AZ $1,078
Chicago, IL $1,242
Houston, TX $1,451
Seattle, WA $905
Columbus, OH $774
Indianapolis, IN $786

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1998 GMC Yukon Insurance Rates by Driver Age
Driver Age Premium
16 $3,744
20 $2,102
30 $940
40 $924
50 $850
60 $832

Full coverage, $500 deductibles

Rates by Deductible

1998 GMC Yukon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,064
$250 $1,002
$500 $924
$1,000 $850

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $924
50/100 $1,012
100/300 $1,123
250/500 $1,410
100 CSL $1,057
300 CSL $1,300
500 CSL $1,477

Full coverage, driver age 40

Rates for High Risk Drivers

1998 GMC Yukon Insurance Rates for High Risk Drivers
Age Premium
16 $5,254
20 $3,342
30 $1,990
40 $1,976
50 $1,890
60 $1,870

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $120

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $49
Homeowner $17
5-yr Accident Free $53
5-yr Claim Free $57
Paid in Full/EFT $31
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $571

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1998 GMC Yukon Insurance Rates by State
State Premium
Alabama $838
Alaska $710
Arizona $770
Arkansas $924
California $1,054
Colorado $884
Connecticut $952
Delaware $1,046
Florida $1,158
Georgia $854
Hawaii $666
Idaho $626
Illinois $690
Indiana $696
Iowa $624
Kansas $880
Kentucky $1,262
Louisiana $1,370
Maine $572
Maryland $764
Massachusetts $742
Michigan $1,608
Minnesota $774
Mississippi $1,110
Missouri $822
Montana $996
Nebraska $730
Nevada $1,110
New Hampshire $666
New Jersey $1,034
New Mexico $818
New York $976
North Carolina $534
North Dakota $758
Ohio $640
Oklahoma $950
Oregon $848
Pennsylvania $884
Rhode Island $1,236
South Carolina $838
South Dakota $782
Tennessee $814
Texas $1,116
Utah $686
Vermont $634
Virginia $554
Washington $718
West Virginia $848
Wisconsin $642
Wyoming $826

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