2009 GMC Yukon Insurance Rates

Average insurance rates for a 2009 GMC Yukon are $1,150 a year for full coverage. Comprehensive insurance costs around $218, collision insurance costs $300, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,472 or more. Teen drivers receive the highest rates at up to $4,486 a year.

Annual premium for full coverage: $1,150

Rate estimates for 2009 GMC Yukon Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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

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These differences show why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Looking for cheaper insurance rates for your GMC Yukon? Finding the best price on insurance can seem like an uphill battle if you’re new to online quotes. Don’t let that stop you because there is an easy way to compare rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. This information will instruct you on the most effective way to quote insurance. Nevertheless, drivers must understand how insurance companies sell online because it can help you find the best coverage.

How to Compare Auto Insurance Costs

There are several ways to shop for GMC Yukon auto insurance, but one way is less labor-intensive and much quicker. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting for quick rates.

Many companies enroll in a system that allows shoppers to submit one quote, and each participating company provides a quote based on that information. This eliminates the need for quotation requests to each company.

To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is you can’t choose which companies to receive prices from. So if you prefer to pick individual companies for rate comparison, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits with each company. If you use different liability limits it will be impossible to truly determine the lowest rate. Slightly different coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes provides better odds of finding better pricing.

Do you qualify for discounts?

Car insurance companies do not list all their discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known ways to save on insurance coverage.

• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
• 55 and Retired – Older drivers may qualify for a discount up to 10% for Yukon insurance.
• New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
• Multi-policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
• Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.

Keep in mind that some credits don’t apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of providers who offer insurance coverage discounts, click this link.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your situation might need professional guidance.

• What vehicles should carry emergency assistance coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What are the financial responsibility laws in my state?
• Should I buy additional glass protection?
• Where can I find DUI or SR-22 insurance?
• Am I getting all the discounts available?
• Should I file a claim if it’s only slightly more than my deductible?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as funeral expenses, repair bills for other people’s vehicles, structural damage and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2009 GMC Yukon.

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

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses such as prosthetic devices, funeral costs, EMT expenses and surgery. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay