Car Insurance Quotes for a GMC Yukon

Freeway is ready to provide you with various options, including state minimum required liability and full coverage. Some optional protection you can add to your policy include benefits such as:

• Roadside assistance
• Rental car reimbursement
• GAP
• Uninsured/underinsured motorist
• Personal injury protection (PIP)

These are good to have but most states do not require them.

Full Coverage

Full coverage consists of your state’s mandatory minimum coverage, as well as collision and comprehensive. Collision pays for the cost of damages due to hits with other vehicles and objects, while comprehensive covers the cost of damages due to things outside of your control, such as falling tree limbs, theft, and vandalism.

This type of coverage costs several hundred dollars more per year over state minimum liability, thanks to the greater protections they provide. However, you can adjust the cost of your coverage by increasing or decreasing deductibles and liability limits.

State Minimum

State minimum policies cover damages caused to third parties. It is comprised of bodily injury and property damage liability.

Every state has its minimum liability requirements. For example, Texas requires that all drivers carry a minimum of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability for accidents, and $25,000 in property damage liability per accident.

In turn, California minimums are slightly more relaxed, requiring only a minimum of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability per accident.

No-Fault State

If you live in a no-fault state, such as Kansas, your minimum package requirement is likely to include more. In Kansas, the liability is 25/50/25, plus 25/50 for uninsured motorist coverage, as well as $4,500 for PIP.

We highly recommend a full coverage policy, which provides first-party benefits such as collision and comprehensive insurance for greater peace of mind.

If you drive a large GMC SUV, there are many auto insurance discounts available.

These discounts are generally classified in one of four categories: policy-based, driver behavior-based, vehicle-based, and usage-based discounts.

• Policy-based discounts extend to how you structure your policy. For example, paying your annual premium upfront or bundling two or more policies under the same insurer (e.g. motorcycle and homeowners) all likely qualify for discounts. Additional policy-based discounts include enrolling in autopay and paperless billing.
• Driver behavior discounts refer to maintaining a clean driving record. Typically, safe driver discounts are extended to GMC Yukon drivers with a clean driving record for the past three to five years. This means no claims, accidents, or traffic violations like speeding tickets and blowing past red lights with cameras on site.
• Vehicle-based discounts are awarded depending on your GMC Yukon’s safety features. For example, installing anti-theft devices, anti-lock brakes, and other safety mechanisms may all qualify for small discounts.
• Lastly, usage-based discounts are awarded based on how you manage your vehicle. Driving less than 7,500 miles a year and installing telematics devices in the car to track driving behavior are two of the many types of usage-based discounts GMC Yukon drivers can benefit from.

You can also take advantage of some demographic price reductions, including for military members and senior citizens. As a best practice, we recommend calling your insurance company every six months to learn if you qualify for any new discounts. Remember, many discounts are not awarded automatically and require a little leg work to obtain.