2007 GMC Yukon Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2007 GMC Yukon are $1,078 a year including full coverage. Comprehensive costs an estimated $198 a year, collision costs $248, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,314. Teen drivers receive the highest rates at $4,260 a year or more.
Annual premium for full coverage: $1,078
Rate estimates for 2007 GMC Yukon Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 the average driver, prices range go from as low as $522 for a discount liability-only rate to a high of $2,314 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.
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 2007 GMC Yukon Insurance
Looking for the cheapest insurance coverage rates for your GMC Yukon? Are you tired of paying out the nose to buy car insurance? You are no different than many other drivers. You have multiple insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.
The purpose of this article is to help you learn how to get online quotes and some tips to save money. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to learn the best way to compare prices online.
Cheap Auto Insurance Comparisons
Lowering your 2007 GMC Yukon auto insurance rates is a fairly straight forward process. All that’s required is to take the time to compare quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The recommended way to find low rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form gets rate comparisons from several companies.
- A more time consuming way to compare prices requires you to visit the website of each company and request a quote. For instance, we’ll pretend you want to compare State Farm, Liberty Mutual and Progressive. To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
It doesn’t matter which method you choose, just compare identical quote information for every company. If each company quotes different limits and deductibles on each one it’s impossible to make an equal comparison.
Discounts mean cheaper GMC Yukon insurance rates
Car insurance is not cheap, but there are discounts available that you may not even be aware of. Most are applied when you purchase, but a few need to be asked for prior to getting the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.
- Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
- Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Claim Free – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
- Clubs and Organizations – Affiliation with certain professional organizations may earn a discount on your policy for Yukon coverage.
- Drivers Ed for Students – Have your child complete a driver education course in school.
- Own a Home – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.
To see a list of insurance companies offering auto insurance discounts, click this link.
Tailor your coverage to you
When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine if you will benefit from professional help.
- What can I do if my company won’t pay a claim?
- Is my custom paint covered by insurance?
- How high should my uninsured/underinsured coverage be in my state?
- Are split liability limits better than a combined single limit?
- Can my babysitter drive my car?
- Does coverage extend to Mexico or Canada?
- Does my personal policy cover me when driving out-of-state?
- How do I insure my teen driver?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Some factors that can determine what GMC Yukon insurance costs
It’s important that you understand the different types of things that go into determining the rates you pay for insurance coverage. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower insurance coverage prices.
Listed below are a partial list of the pieces insurance coverage companies consider when setting rates.
- Clean credit earns discounts – Your credit history is a large factor in determining your rates. Therefore, if your credit score is not that good, you could be paying less to insure your 2007 GMC Yukon by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores.
- With age comes lower rates – Youthful drivers have a tendency to get distracted easily when behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
- Protect your assets with liability insurance – Liability coverage is the coverage that protects you in the event that you are found liable for damages from an accident. Liability provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
- Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at a similar rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
- Small claims can cost you – Car insurance companies provide discounts to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Auto insurance ads bend the truth
Drivers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings if you move your policy.
How does each company say the same thing?
All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.
Potential insureds who don’t qualify for this ideal profile will have to pay higher premiums and ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently make the claims of big savings.
Because of the profiling, it is so important to quote coverage with many companies. It’s not possible to predict which insurance companies will fit your personal profile best.
Auto insurance coverage information
Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills for EMT expenses, dental work, doctor visits, pain medications and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Comprehensive auto insurance – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like rock chips in glass, falling objects and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability coverages – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like loss of income, attorney fees, pain and suffering, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Collision coverage – This coverage will pay to fix damage to your Yukon caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your GMC Yukon.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Online plus local equals savings
In this article, we covered a lot of techniques to save on 2007 GMC Yukon insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.
The cheapest insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.
Even more information can be read in these articles:
Rates by U.S. City
|New York City, NY||$1,704|
|Los Angeles, CA||$1,845|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$67|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.