2010 GMC Yukon Insurance Rates

Average insurance rates for a 2010 GMC Yukon are $1,150 a year with full coverage. Comprehensive costs an estimated $218, collision insurance costs $300, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,472. Teenage drivers receive the highest rates at up to $4,486 a year.

Annual premium for full coverage: $1,150

Rate estimates for 2010 GMC Yukon Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Have you fallen victim to an overpriced insurance policy? Trust us, you’re not the only one.

There are many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

This information will familiarize you with how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. But vehicle owners must know how big insurance companies market on the web because it can help you find the best coverage.

Cut your insurance coverage rates with these eight discounts

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be requested specifically in order for you to get them.

• 55 and Retired – Mature drivers may qualify for better insurance coverage rates for Yukon insurance.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
• Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
• Paperwork-free – A few companies give back up to $50 simply for signing on their website.
• Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
• Memberships – Being a member of a professional or civic organization may earn a discount when buying insurance coverage for Yukon insurance.

Drivers should understand that some of the credits will not apply the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

A partial list of companies that may have these money-saving discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

It’s a good idea to ask each company which discounts you may be entitled to. Savings may not apply everywhere.

You are unique and your auto insurance should be too

When it comes to choosing adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

• Can I afford low physical damage deductibles?
• Does liability extend to a camper or trailer?
• What is the minimum liability in my state?
• Does coverage extend to my business vehicle?
• Is my teenager covered with friends in the car?
• Do I have coverage if my license is suspended?
• Should I rate my 2010 GMC Yukon as pleasure use or commute?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage protection

Collision insurance pays for damage to your Yukon caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, bail bonds and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass, hitting a bird, theft and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, rehabilitation expenses, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2010 GMC Yukon.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Power to the consumer

Lower-priced 2010 GMC Yukon insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance coverage companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

More tips and info about insurance coverage is available by following these links:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Choosing a Car for Your Teen (State Farm)