1999 GMC Yukon Insurance Rates

Average insurance rates for a 1999 GMC Yukon are $924 a year for full coverage. Comprehensive costs approximately $154 each year, collision costs $170, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,976. Teen drivers receive the highest rates at $3,744 a year or more.

Annual premium for full coverage: $924

Rate estimates for 1999 GMC Yukon Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 1999 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

View Chart as Image

These differences show why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Shoppers have many options when shopping for the best price on GMC Yukon insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to price shop coverage for a new or used GMC and obtain the cheapest rates from both online companies and local agents.

It’s a good idea to do rate comparisons periodically because rates fluctuate regularly. Just because you found the best rates on Yukon insurance a year ago you may be paying too much now. There is a lot of bad information regarding insurance coverage on the internet, so with this article, you’re going to get some great ways to quit paying high insurance coverage rates.

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay and possibly find even better coverage. This information will familiarize you with the best way to quote coverages and some tricks to saving. Vehicle owners only need to know the proper way to compare price quotes on the web.

These discounts can lower your rates

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but some may not be applied and must be specifically requested prior to getting the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

• Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
• Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
• Multiple Policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
• Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
• Own a Home – Simply owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
• Safe Drivers – Drivers who avoid accidents may save up to 50% more on Yukon insurance than less cautious drivers.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

Car insurance companies that may offer these discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not be available in every state.

Different people need different coverages

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

• How many claims can I have before being canceled?
• How does medical payments coverage work?
• Is my 1999 GMC Yukon covered for smoke damage?
• Does car insurance cover theft of personal property?
• Exactly who is provided coverage by my policy?
• Do I have coverage for damage caused while driving under the influence?
• Do I need rental car coverage?
• Do I need replacement cost coverage on my 1999 GMC Yukon?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

The car insurance bait and switch

Consumers can’t get away from ads for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you can save after switching to their company.

How can each company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between 25 and 40, has no tickets, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who are not a match for these standards must pay higher prices and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That is how companies can state the savings.

This illustrates why it is so important to compare many company’s rates. It’s not possible to predict which company will provide you with the cheapest GMC Yukon insurance rates.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage will pay to fix damage to your Yukon resulting 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 things like hitting a mailbox, backing into a parked car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, legal defense fees, pain and suffering, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your GMC Yukon.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as hospital visits, prosthetic devices, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance plan 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 is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

We just showed you a lot of information how to save on 1999 GMC Yukon insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Consumers change insurance companies for many reasons like delays in paying claims, policy cancellation, being labeled a high risk driver and denial of a claim. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

Lower-priced insurance is available both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

More information is available at the links below

• Information for Teen Drivers (GEICO)
• Choosing an Insurance Company (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)