Cheapest Quotes for GMC Yukon Insurance in Houston

Wish you could get a refund on high-priced GMC Yukon insurance in Houston? Don’t sweat it because you’re not alone.

Shockingly, most auto insurance policyholders have stayed with the same insurance company for more than four years, and almost half have never compared rates from other carriers. Texas drivers can save hundreds of dollars each year just by comparing rates, but they don’t believe the rate savings if they changed companies. There are many car insurance companies to pick from, and though it is a good thing to have a selection, having more insurers makes it harder to compare company pricing for GMC Yukon insurance in Houston.

It’s a good habit to price shop coverage as often as possible because prices are constantly changing. Even if you think you had the best rate on GMC Yukon insurance in Houston a few years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you how to quote online to reduce your cost while increasing coverage.

Auto insurance providers offering competitive rate quotes in Texas

The companies shown below have been selected to offer price quotes in Houston, TX. If several companies are displayed, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in Houston location which can modify premium rates significantly.

Physical damage deductibles

The diagram below highlights how deductible choice and can influence GMC Yukon insurance prices for different age categories. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Comparison of policy deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The following insurance rates can help you visualize the premium difference when you choose different comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific location which can increase or decrease coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible costs roughly $30 more each month or $360 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Auto insurance rates by age and gender

The example below shows the difference between GMC Yukon insurance costs for male and female drivers. The premium estimates are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Cheaper rates on GMC Yukon insurance in Houston with these auto insurance discounts

Buying auto insurance is not cheap, but you may qualify for discounts to reduce the price significantly. Most are applied when you purchase, but once in a while a discount must be specially asked for before being credited.

• Telematics Devices – Insureds who allow driving data submission to scrutinize driving habits by using a telematics device like Allstate’s Drivewise may see discounts as long as the data is positive.
• Own a Home and Save – Just being a homeowner can save a few bucks because it means you have a higher level of financial diligence.
• Bundled Policy Discount – When you have multiple policies with the same company you may save nearly 15% which can help you find cheaper Yukon insurance.
• Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
• Employee of Federal Government – Active or former government employment could provide a small rate reduction with some auto insurance companies.
• Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
• More Vehicles More Savings – Buying coverage for all your vehicles on one policy can reduce rates for all insured vehicles.
• Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.

You can save money using discounts, but most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, nobody gets a free ride. But all discounts will help lower your policy premium.

A few of the larger companies and the discounts they provide are:

• AAA has discounts for AAA membership discount, multi-car, education and occupation, pay-in-full, and anti-theft.
• Progressive offers premium reductions for good student, homeowner, continuous coverage, multi-policy, and online signing.
• State Farm offers discounts for good driver, Drive Safe & Save, accident-free, safe vehicle, and multiple autos.
• Esurance may offer discounts for Switch & Save, anti-lock brakes, Pac-12 alumni, good student, multi-policy, and anti-theft.
• Nationwide may have discounts that include accident-free, defensive driving, easy pay, Farm Bureau membership, and business or organization.

When getting a coverage quote, ask every company which discounts they offer. All car insurance discounts might not be offered on policies in Houston. To choose companies with the best discounts in Texas, click this link.

You Can Change Your Insurance Prices

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for insurance. If you know what determines premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.

• Safer vehicles means lower insurance rates – Vehicles with good safety scores cost less to insure. These vehicles protect occupants better and fewer injuries means less claims paid and more competitive rates for policyholders.
• Your location is a factor – Choosing to live in less populated areas can be a good thing if you are looking for the lowest rates. City drivers have traffic congestion and higher rates of accident claims. Less people translates into fewer accident claims and a lower car theft rate.
• Reserve policy claims for larger damages – Car insurance companies in Texas award cheaper rates to drivers who file claims infrequently. If you file a lot of claims you can expect much higher rates or policy non-renewal. Auto insurance is intended for claims that you cannot pay yourself.
• Know your credit score – A driver’s credit rating is a big factor in calculating your premium rate. Therefore, if your credit score is not that good, you may save money insuring your GMC Yukon by improving your rating. Drivers who have excellent credit scores tend to file fewer claims as compared to drivers with lower credit ratings.
• The more you drive the more you pay – Driving more miles every year the more you will pay for insurance. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. An improperly rated Yukon may be wasting your money. Verify your declarations sheet is rated on the proper vehicle usage.
• Prices increase with policy add-ons – There are quite a few extra bells and whistles that can add up if you don’t pay attention. Things like personal injury protection, towing, and additional equipment coverage may not be needed and are just wasting money. They may seem good when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
• GMC Yukon insurance loss statistics – Insurance companies use statistical claims data when setting rates for each model. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will cost more to insure.

  The next table shows the loss history for GMC Yukon vehicles. For each policy coverage type, the loss probability for all vehicles compiled together is a value of 100. Values that are 100 or less suggest a better than average loss history, while percentages above 100 indicate frequent claims or statistically larger losses.

  GMC Yukon Insurance Loss Statistics

  Specific GMC 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

How do I know if I need professional advice?

When selecting a policy, there is no best way to insure your cars. Your needs are unique to you and your auto insurance should be unique as well.
For example, these questions could help you determine whether your personal situation might need professional guidance.

• Who sells insurance for high-risk drivers?
• Is a fancy paint job covered?
• Is a blown tire covered by insurance?
• At what point should I drop full coverage?
• Is my nanny covered when driving my vehicle?
• Is my GMC Yukon covered for smoke damage?
• Do I need more liability coverage?
• Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

What if I want to buy from local Houston auto insurance agents?

Some people still like to go talk to an agent and that is OK! Licensed agents will help you protect your assets and help submit paperwork. A good thing about comparing insurance prices online is you may find cheap auto insurance quotes and still buy from a local agent. Buying insurance from neighborhood insurance agencies is especially important in Houston.

By using this short form, your insurance coverage information gets sent to companies in Houston who will return price quotes and help you find cheaper coverage. There is no reason to contact an agency as quotes are delivered instantly to you. If you need to quote rates for a specific company, just search and find their rate quote page and fill out their quote form.

Two types of car insurance agents

If you would like to find a reputable insurance agent or broker, there are two types of agencies from which to choose. Agents are either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it’s a good idea to understand the subtle differences since it may influence your selection of an agent.

Independent Agencies or Brokers

These type of agents are not restricted to one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you. When comparing rates, we highly recommend that you contact independent agents in order to compare the most rates.

Featured below is a list of independent insurance agents in Houston who may be able to give you free rate quotes.

View more Houston agents

Exclusive Auto Insurance Agents

Agents in the exclusive channel can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot place coverage with different providers so they really need to provide good service. These agents are usually well trained on what they offer which helps them sell on service rather than price.

The following are exclusive insurance agencies in Houston willing to provide comparison quotes.

View more Houston agents

Choosing an insurance agency should depend on more than just a low price. These are some questions you should get answers to.

• Which company do they place the most coverage with?
• Will they take your side in the event of a claim?
• Is there a Errors and Omissions policy in force?
• How are they compensated?
• Do you work with a CSR or direct with the agent?
• Do they have designations such as AIC, CPCU, or CIC?

If you get good answers to any questions you have and a good coverage price, it’s a good possibility that you have found an insurance agency that is professional and can service your policy.

Are insurance companies telling the truth?

Consumers in Texas can’t get away from all the ads that promise big savings for switching by Progressive, Allstate and GEICO. All the ads make the same claim about saving some big amount if you change to their company.

But how can every company sell you cheaper insurance coverage? Here is the trick they use.

Companies quote their cheapest rates for the type of insured that will be a good risk. One example of a driver they prefer may be over the age of 35, has a clear driving record, and has great credit. Someone who fits that profile will get very good Houston rates and most likely will save when switching.

People who do not fit the “perfect” profile will probably be forced to pay a higher rate with the end result being business not being written. The ads state “drivers who switch” not “everybody who quotes” save the amount stated. This is how companies can truthfully advertise the savings.

This really drives home the point why drivers must get as many free Houston auto insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will fit you best based on your risk profile.

Smart shoppers get results

Low-cost GMC Yukon insurance in Houston is definitely available on the web in addition to many Houston insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these smaller companies only sell through local independent agents.

You just learned a lot of techniques to lower your GMC Yukon insurance rates in Houston. The most important thing to understand is the more you quote Houston auto insurance, the better likelihood of getting cheaper Houston auto insurance quotes. You may even discover the best price on insurance is with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

To learn more, link through to the following helpful articles:

• Older Driver Statistics (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Jeep Wrangler in Houston? (FAQ)
• Who Has Cheap Car Insurance Rates for Teenagers in Houston? (FAQ)
• What Insurance is Cheapest for 19 Year Olds in Houston? (FAQ)
• Who Has the Cheapest Houston Car Insurance Quotes for a Company Car? (FAQ)
• Who Has Cheap Auto Insurance for Drivers Over Age 50 in Houston? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Neck Injury FAQ (iihs.org)