View 1997 GMC Yukon Car Insurance Rates

Want the cheapest car insurance rates for your GMC Yukon? Have you had enough of robbing Peter to pay Paul to buy car insurance? You are in the same boat as most other car owners. There are many insurers to choose from, and although it’s a good thing to have a choice, it can be more difficult to locate the cheapest rates.

Buying the cheapest car insurance is not that difficult. If you are insured now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Vehicle owners only need an understanding of the most efficient way to compare rates online.

Compare Car Insurance Today

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the easiest way. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies participate in an industry program where insurance shoppers submit one quote, and each company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is that you can’t choose the providers you want to price. If you would rather choose specific insurance companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare the exact same quote information with each company. If each company quotes higher or lower deductibles it will be impossible to find the best deal for your GMC Yukon.

Discounts are available to cut your rates

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically when you get a quote, but a few must be specially 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.

  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Claim Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.

It’s important to note that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will reduce your premiums.

Car insurance companies that may have these benefits are:

Check with each insurance company which discounts you may be entitled to. Savings might not be offered in your area.

Everyone needs different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • Am I covered if hit by an uninsured driver?
  • Does liability extend to a camper or trailer?
  • Does car insurance cover theft of personal property?
  • Can I still get insurance after a DUI?
  • What happens if I owe more than my 1997 GMC Yukon is worth?
  • Will my insurance pay for OEM parts?
  • Are rock chip repairs covered?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Information about specific coverages

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Collision protection

This coverage will pay to fix damage to your Yukon resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your GMC Yukon.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverages

This coverage will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.