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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 22, 2019

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Looking for better insurance coverage rates for your GMC Yukon XL? Finding better insurance prices for a GMC Yukon XL can be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to shop for insurance coverage and we’ll show you the proper way to get price quotes for a GMC and get the lowest price from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding affordable insurance coverage is not that difficult. Drivers only need to know the most effective way to find the lowest price over the internet.

Finding auto insurance

All the larger auto insurance companies such as State Farm, GEICO and Progressive allow you to get prices for coverage from their websites. Doing online price comparisons is fairly simple as you simply type in the coverages you want as detailed in the form. Once you submit the form, the company’s rating system obtains your credit score and driving record and returns pricing information determined by many factors.

Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it’s necessary to have as many quotes as possible if you want to find better auto insurance pricing.

There is a better way!

The easiest way to get multiple rate quotes uses just one form to obtain quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. After your information is entered, it is quoted and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

In order to find out how much you can save on auto insurance, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. This way, you will get a price comparison for the exact same coverage.

Is there deception in advertising?

Consumers get pounded daily by advertisements that claim the cheapest prices by State Farm, GEICO and Progressive. All the ads make the same claim that people will save if you change your policy.

It sounds good, but how can they all cost less than your current company? You have to listen carefully.

Insurance providers quote their best rates for the driver they prefer to insure. For example, a profitable customer might be described as a mature driver, has no prior claims, and drives a lower-performance vehicle. A customer that matches those criteria will get low rates and will save money with a new company.

Potential customers who cannot meet those standards will have to pay a higher rate and this results in business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that much when switching. That is how companies can lure you into getting a quote. Because of these techniques, you need to compare rate quotes every year. It’s just not possible to know which insurance companies will have the lowest rate quotes.

Why informed consumers pay less for GMC Yukon XL insurance

Consumers need to have an understanding of the factors that are used to determine your insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find better insurance coverage rates. Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, although others are more transparent like your continuous coverage or how financially stable you are.

The following are some of the major factors companies use to determine your prices.

  • Vehicles with better crash test results save money – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety protect occupants better and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your GMC Yukon XL has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Lower miles equals lower premium – The higher the miles on your GMC in a year’s time the more you’ll pay to insure it. Most insurance companies charge rates based on their usage. Autos that are left in the garage receive better premium rates compared to those used for work or business. Having the wrong rating on your Yukon XL can result in significantly higher rates. Verify your policy properly reflects the proper vehicle usage.
  • Credit rating impacts premium premiums – Your credit rating factor in determining what you pay for insurance coverage. People with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. If your credit rating is not that good, you could pay less to insure your 2018 GMC Yukon XL if you improve your credit rating.
  • See if your company offers a multi-policy discount – Most insurance companies give better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to comparison shop to help ensure you have the lowest rates. You may still be able to find a better deal by buying insurance coverage from a different company.
  • You might pay higher premiums if you are single – Getting married can get you a discount compared to being single. Marriage demonstrates that you tend to be more mature and responsible and statistics show being married results in fewer claims.
  • Teenagers are high risk – Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Inexperience drivers have been known to get distracted easily when driving therefore insurance coverage rates are much higher.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be inquired about before you will receive the discount.

  • Passive Restraints – Vehicles with factory air bags can receive discounts of 20% or more.
  • Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • College Student – who are attending college and don’t have a car can be insured at a reduced rate.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Telematics Data Discounts – Insureds who allow their company to spy on their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • 55 and Retired – Drivers over the age of 55 may receive better car insurance rates on Yukon XL coverage.
  • Multi-car Discount – Insuring multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But all discounts will cut your overall premium however.

To locate insurers that offer many of these discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions might point out whether you will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to my business vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 2018 GMC Yukon XL?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Free Auto Insurance Comparison

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Insurance coverages and their meanings

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – 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 can pay for claims such as hitting a bird, falling objects, vandalism and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, funeral costs, nursing services, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability auto insurance – This provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision – This coverage covers damage to your Yukon XL resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Yukon XL.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Final thoughts

People who switch companies do it for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, an unsatisfactory settlement offer or high rates after DUI convictions. Regardless of your reason, switching companies is not as difficult as it may seem.

Throughout this article, we presented many tips how you can shop for 2018 GMC Yukon XL insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper auto insurance. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising.

Discount 2018 GMC Yukon XL insurance can be bought online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and most of the time these small insurance companies prefer to sell through independent insurance agencies.

Additional detailed information is located in these articles:

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