How Much Does 2020 GMC Yukon Insurance Cost?

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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: Apr 30, 2020

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Searching for the cheapest insurance rates for your GMC Yukon? Are you at wits end from robbing Peter to pay Paul to keep your car insured? Your situation is no different than many other people.

Companies like State Farm, Progressive and GEICO constantly bombard you with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

How to get free car insurance quotes online

There are several ways you can shop for car insurance but some are easier and takes less work. You can spend countless hours talking to local insurance agents in your area, or you could save time and use the internet for quick rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company returns a rated price based on the submitted data. This prevents consumers from doing quote requests to each individual car insurance company.

To participate in this free quote system, enter your zip code here.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies you will receive quotes from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, do your best to use equivalent quote information for every quote you compare. If your comparisons have unequal deductibles or liability limits it’s impossible to make a fair rate comparison. Quoting even small variations in insurance coverages could mean much higher rates. And when comparison shopping, comparing a large number of companies provides better odds of finding more affordable rates.

When to get professional advice

When buying coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining whether or not you might need professional guidance.

  • I don’t drive much so do I pay less?
  • When should I drop full coverage on my 2020 GMC Yukon?
  • Is motorclub coverage worth it?
  • Am I covered when driving someone else’s vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need higher collision deductibles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance policy specifics

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Collision coverage – Collision insurance covers damage to your Yukon resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your GMC Yukon.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – This 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 hitting a deer, rock chips in glass and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, attorney fees and medical expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, nursing services, funeral costs and surgery. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

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