View 1995 GMC Yukon Insurance Quotes

Looking for the cheapest auto insurance rates for your GMC Yukon? Finding better rates for auto insurance is challenging for consumers not familiar with comparison shopping online. You have so many options that it can quickly become a big hassle to locate the lowest price.

How to Get Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. By far the easiest way to compare 1995 GMC Yukon insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotation requests to each individual auto insurance company. One form submission will return quotes direct from many companies. It’s the fastest way to compare.
  2. A more difficult way to get comparison quotes requires a trip to each company website and fill out their own quote form. For example, we’ll pretend you want rates from State Farm, Allstate and Farmers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages and limits for each price quote. If you compare unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Slightly different coverages could mean much higher rates. And when quoting auto insurance, remember that getting more free quotes will enable you to find the best rates.

Pay less for GMC Yukon insurance

Car insurance companies don’t always list all their discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Low Mileage – Keeping the miles down on your GMC could be rewarded with a substantially lower rate.
  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for Yukon insurance.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Yukon insurance than drivers with accidents.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

Companies that may have these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Where can I find high-risk insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is high-risk coverage and where do I buy it?
  • Should I carry comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What if I total my 1995 GMC Yukon and owe more than it’s worth?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

What determines your GMC Yukon insurance premium

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance coverage. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to lower insurance coverage prices.

  • Where you reside plays a part – Living in less populated areas has it’s advantages when it comes to insurance coverage. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers means fewer accidents.
  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that you can get tricked into buying on your insurance coverage policy. Things like roadside assistance, accidental death and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • Younger drivers pay higher rates – More mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Youthful drivers have a tendency to be more careless when driving and because of this, their insurance coverage rates are much higher.
  • More miles equals more premium – The more you drive every year the more you will pay for insurance coverage. Most companies rate vehicles based on their usage. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. An improperly rated Yukon can cost quite a bit. Double check that your insurance coverage policy is showing the correct driver usage, because it can save money.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you. If the GMC Yukon scored better than four stars on it is probably cheaper to insure.

Insurance coverages explained

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage will cover damage that occurs to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like bail bonds, attorney fees, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, funeral costs and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your GMC Yukon.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price.

People switch companies for a variety of reasons including questionable increases in premium, policy cancellation, poor customer service and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

We covered a lot of ways to lower your 1995 GMC Yukon insurance rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a lesser-known regional company.

Additional insurance coverage information can be found below: