GMC Yukon insurance image courtesy of QuoteInspector.com
Are you doing reasearch to find the cheapest GMC Yukon insurance in Austin? Comparing and finding more affordable prices for GMC Yukon insurance in Austin can be frustrating for beginners to online rate comparisons. With such a big selection of agents and insurers to choose from, it can easily become a difficult mission to find cheaper prices on GMC Yukon insurance.
A recent study showed that 70% of consumers kept their policy with the same company for over three years, and nearly the majority have never compared rates to find lower-cost insurance. Drivers in Austin could pocket $1,766 a year just by shopping around, but most undervalue the big savings they would realize if they switched to a cheaper policy.
Consumers should take time to price shop coverage periodically because auto insurance rates are constantly changing. Even if you think you had the best premium rates on GMC Yukon insurance in Austin last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're going to get a crash course in how to use online quotes to properly buy coverages and cut your premium.
Finding affordable auto insurance in Austin is not as hard as you may think. Practically everyone who carries auto insurance will buy a cheaper policy. Nevertheless, Texas consumers must know how insurance companies price online insurance because it varies considerably.
To find low cost rates, there are a couple of ways to compare rate quotes from car insurance companies in your area. The best way to comparison shop consists of shopping online.
When quoting car insurance, remember that comparing a large number of companies will increase your chances of finding a better price. Some smaller insurers do not give price estimates online, so it's necessary to compare prices from them, too.
The auto insurance companies shown below can provide price quotes in Texas. If multiple providers are shown, we suggest you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $370 | $592 | $382 | $22 | $114 | $1,480 | $123 |
| Yukon SLE 2WD | $176 | $306 | $430 | $26 | $128 | $1,066 | $89 |
| Yukon 4WD | $260 | $422 | $366 | $22 | $110 | $1,180 | $98 |
| Yukon SLE 4WD | $286 | $512 | $430 | $26 | $128 | $1,382 | $115 |
| Yukon SLT 2WD | $260 | $422 | $366 | $22 | $110 | $1,180 | $98 |
| Yukon SLT 4WD | $274 | $368 | $392 | $24 | $118 | $1,176 | $98 |
| Yukon Denali 2WD | $354 | $684 | $400 | $24 | $120 | $1,582 | $132 |
| Yukon Denali 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| Yukon Hybrid 2WD | $222 | $414 | $440 | $26 | $132 | $1,234 | $103 |
| Yukon Hybrid 4WD | $196 | $436 | $486 | $28 | $146 | $1,292 | $108 |
| Yukon Hybrid Denali 2WD | $252 | $478 | $430 | $26 | $128 | $1,314 | $110 |
| Yukon Hybrid Denali 4WD | $280 | $590 | $582 | $34 | $174 | $1,660 | $138 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in Austin location which can impact rates noticeably.
Careless drivers pay higher rates
The example below demonstrates how speeding tickets and fender-benders can influence GMC Yukon insurance costs for different ages of insureds. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Discounts can help lower rates on GMC Yukon insurance in Austin
Companies that sell car insurance don't always list all discounts very well, so the next list breaks down both well-publicized and also the more inconspicuous ways to save on car insurance.
- Seat Belt Usage - Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Drivers Education - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
- Drive Safe and Save - Drivers who avoid accidents could pay up to 40% less compared to accident prone drivers.
- Theft Deterrent - Cars that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Defensive Driver Discount - Taking a course in safe driver could earn you a small percentage discount depending on where you live.
- Multiple Cars - Having multiple cars or trucks with the same car insurance company could earn a price break for each car.
- E-sign Discounts - Some of the larger companies may give you up to $50 shop Austin auto insurance on your computer.
- Switch and Save Discount - Select larger companies give a discount for switching policies before your current coverage expires. You can save around 10% with this discount.
- Organization Discounts - Being a member of certain professional organizations may earn a discount when shopping for car insurance.
Just know that some of the credits will not apply to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will cut your policy cost.
A few of the larger companies and some of the discounts can be read below.
- Progressive offers discounts including homeowner, continuous coverage, good student, online signing, multi-policy, and online quote discount.
- AAA has savings for multi-policy, AAA membership discount, education and occupation, good driver, and good student.
- Farmers Insurance has discounts for good student, bundle discounts, business and professional, teen driver, and multi-car.
- GEICO may include discounts for seat belt use, emergency military deployment, multi-policy, membership and employees, driver training, daytime running lights, and good student.
- Esurance includes discounts for anti-theft, emergency road assistance, defensive driver, multi-policy, safety device, and multi-car.
- SAFECO policyholders can earn discounts including bundle discounts, accident prevention training, drive less, safe driver, and multi-car.
- State Farm may have discounts that include multiple autos, multiple policy, accident-free, Steer Clear safe driver discount, passive restraint, student away at school, and good driver.
If you want affordable GMC Yukon insurance quotes, ask every insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in Austin. To view car insurance companies offering car insurance discounts in Austin, click here to view.
Quote GMC Yukon Insurance at a Discount
The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining your premiums. If you have some idea of what impacts premium levels, this enables informed choices that can earn you lower rates.
Small coverages can add up - Insurance companies have many extra coverages that can waste your money on your auto insurance policy. Coverages like personal injury protection, death and dismemberment, and additional equipment coverage may be costing you every month. They may sound like good ideas when buying your policy, but now you might not need them so get rid of them and save.
Marriage is a bonus - Being married helps lower the price on your auto insurance bill. Having a spouse translates into being more stable financially and it's statistically proven that married drivers tend to have fewer serious accidents.
Accidents mean higher premiums - How you drive can have a huge impact on auto insurance premiums. Having a single ticket can increase the cost of insurance by twenty percent. Good drivers pay less for auto insurance compared to drivers with tickets. People who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Excellent credit means lower premiums - A driver's credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your GMC Yukon by improving your rating. Insureds with good credit tend to be better risks to insure than drivers who have poor credit scores.
Insurance loss probability for a GMC Yukon - Auto insurance companies factor in insurance loss information when they file their rates in each state. Models that the data shows to have higher claim frequency or loss amount will have higher rates for specific coverages.
The information below illustrates the loss history for GMC Yukon vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Values that are below 100 suggest a better than average loss history, while percentage values above 100 point to more frequent losses or statistically larger claims.
Insurance Loss Ratings for GMC Yukon Vehicles
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| GMC Yukon 4dr 2WD | 86 | 96 | 112 | 66 | ||
| GMC Yukon 4dr 4WD | 86 | 89 | 117 | 63 | 61 | 69 |
| GMC Yukon XL 1500 4dr 2WD | 111 | 99 | 137 | |||
| GMC Yukon XL 1500 4dr 4WD | 104 | 126 | 128 | 59 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local insurance agents
Some consumers still like to go talk to an agent and that is a personal choice. A nice benefit of getting online price quotes is you can get better rates and still have a local agent. Buying from local agencies is definitely important in Austin.
Once you complete this form (opens in new window), the coverage information is sent to insurance agents in Austin that can provide free Austin auto insurance quotes for your business. You won't need to find an agent because prices are sent to your email. You can find lower rates and a licensed agent to talk to. If you have a need to compare rates from a particular provider, you can always find their quoting web page and submit a quote form there.
Independent or Exclusive: It's your choice
If you prefer to buy insurance from a reputable agency, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents in Austin are either exclusive or independent (non-exclusive).
Independent Agencies or Brokers
Agents in the independent channel are not employed by one company and that is an advantage because they can write policies through many different insurance companies and potentially find a lower price. If your premiums go up, your policy is moved internally and that require little work on your part.
When comparing rate quotes, you will definitely want to get several quotes from a few independent agents for maximum quote selection. They often place coverage with companies that do not advertise much which could offer lower prices.
The following are independent agencies in Austin that can possibly get you price quote information.
- Stuart Butts Agency Nationwide - Lezam insurance
700 Rio Grande St c - Austin, TX 78701 - (512) 837-5000 - View Map - Eckert Insurance Group
824 W 10th St - Austin, TX 78701 - (512) 472-6969 - View Map - Greater Texas Insurance
9809 Anderson Mill Rd - Austin, TX 78750 - (512) 250-5055 - View Map
Exclusive Agencies
These agents can only provide one company's prices and examples are Farmers Insurance or State Farm. They are unable to place coverage with different providers so it's a take it or leave it situation. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Many people buy insurance from these agents mostly because of the prominence of the brand rather than low rates.
Below is a list of exclusive agencies in Austin who can help you get price quotes.
- Karen Hall - State Farm Insurance Agent
7004 Bee Cave Rd #3 - Austin, TX 78746 - (512) 327-6200 - View Map - Bridgette Hearne - State Farm Insurance Agent
3407 W Slaughter Ln b - Austin, TX 78748 - (512) 441-3704 - View Map - Allstate Insurance: Amanda Escobar
8700 Manchaca Rd #405 - Austin, TX 78748 - (512) 280-9700 - View Map
Finding a good insurance agent should depend on more than just the quoted price. These are some questions your agent should answer.
- What discounts might you be missing?
- Is their price quote a firm figure or are their hidden costs?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they offer rental car reimbursement?
- Is there a 24/7 contact number?
- Does the company have a local claim office in Austin?
Affordable car insurance rates are available
People who switch companies do it for any number of reasons including policy cancellation, not issuing a premium refund, denial of a claim and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new car insurance company can be pretty painless.
A few companies may not have the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agents. Cheap GMC Yukon insurance in Austin is possible both online in addition to many Austin insurance agents, so compare prices from both to get a complete price analysis.
In this article, we presented some good ideas how to get a better price on GMC Yukon insurance in Austin. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Austin auto insurance quotes. Consumers could even find that the most savings is with a lesser-known regional company.
More resources
- Coverage Information (Progressive Insurance)
- Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Austin? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Austin? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Austin? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- Safety Tips for Teen Drivers (Insurance Information Institute)