We don’t have to tell you that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest rate will presumably switch companies because there is a significant possibility of finding better rates. Remarkably, a study showed that drivers who compared rates regularly saved about $70 a month compared to those who never shopped around.
If finding the best price on auto insurance is your ultimate goal, learning how to find companies and compare auto insurance can help make the process easier.
The best way to find low-cost prices for GMC Yukon insurance in Boston is to compare quotes annually from providers in Massachusetts.
- First, spend a few minutes and learn about the coverage provided by your policy and the measures you can control to keep rates down. Many risk factors that result in higher rates like tickets, at-fault accidents, and poor credit history can be amended by making small lifestyle or driving habit changes.
- Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple companies. Begin your rate comparison
- Third, compare the new rate quotes to your current policy to see if cheaper Yukon coverage is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
A good piece of advice is that you’ll want to make sure you compare the same liability limits and deductibles on every price quote and and to get rates from as many different companies as possible. This ensures a fair rate comparison and the most accurate and complete price analysis.
To get inexpensive Boston auto insurance quotes, there a variety of ways to compare prices from many different Massachusetts insurance companies. One of the best ways to lower the rate you pay for GMC Yukon insurance consists of obtaining rate quotes online.
It’s so easy to compare rates online that it makes it a waste of time to drive around to all the different Boston insurance agencies. The ability to get quotes online has reduced the need for local agents unless you have a complicated situation and need the professional guidance of an agent trained in personal lines coverage. It is possible with some companies obtain prices from the web but have a local agent actually write the policy. It’s important to know that comparing more prices increases the chance that you will find the best price.
The companies shown below have been selected to offer free rate quotes in Boston, MA. If you want to find the cheapest auto insurance in MA, we recommend you get price quotes from several of them to get a more complete price comparison.
GMC Yukon insurance analysis
The premium information displayed below outlines detailed analysis of coverage prices for GMC Yukon models. Having a good grasp of how insurance prices are calculated can benefit drivers when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $204 | $344 | $378 | $22 | $114 | $1,062 | $89 |
| Yukon SLE 2WD | $204 | $344 | $378 | $22 | $114 | $1,062 | $89 |
| Yukon 4WD | $204 | $344 | $378 | $22 | $114 | $1,062 | $89 |
| Yukon SLE 4WD | $204 | $344 | $378 | $22 | $114 | $1,062 | $89 |
| Yukon SLT 2WD | $204 | $344 | $378 | $22 | $114 | $1,062 | $89 |
| Yukon SLT 4WD | $228 | $344 | $378 | $22 | $114 | $1,086 | $91 |
| Yukon Denali 2WD | $228 | $406 | $378 | $22 | $114 | $1,148 | $96 |
| Yukon Denali 4WD | $228 | $406 | $378 | $22 | $114 | $1,148 | $96 |
| Yukon Hybrid 2WD | $228 | $466 | $426 | $26 | $128 | $1,274 | $106 |
| Yukon Hybrid 4WD | $228 | $466 | $426 | $26 | $128 | $1,274 | $106 |
| Yukon Hybrid Denali 2WD | $250 | $528 | $426 | $26 | $128 | $1,358 | $113 |
| Yukon Hybrid Denali 4WD | $250 | $528 | $426 | $26 | $128 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can affect price quotes significantly.
Choosing deductibles
One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The figures shown below outline the differences in premium rates when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Yukon SLE 2WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Yukon 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Yukon SLE 4WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Yukon SLT 2WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Yukon SLT 4WD | $324 | $436 | $334 | $20 | $100 | $1,239 | $103 |
| Yukon Denali 2WD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Yukon Denali 4WD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Yukon Hybrid 2WD | $324 | $590 | $378 | $22 | $114 | $1,453 | $121 |
| Yukon Hybrid 4WD | $324 | $590 | $378 | $22 | $114 | $1,453 | $121 |
| Yukon Hybrid Denali 2WD | $358 | $668 | $378 | $22 | $114 | $1,565 | $130 |
| Yukon Hybrid Denali 4WD | $358 | $668 | $378 | $22 | $114 | $1,565 | $130 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Yukon SLE 2WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Yukon 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Yukon SLE 4WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Yukon SLT 2WD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
| Yukon SLT 4WD | $200 | $274 | $334 | $20 | $100 | $928 | $77 |
| Yukon Denali 2WD | $200 | $322 | $334 | $20 | $100 | $976 | $81 |
| Yukon Denali 4WD | $200 | $322 | $334 | $20 | $100 | $976 | $81 |
| Yukon Hybrid 2WD | $200 | $372 | $378 | $22 | $114 | $1,086 | $91 |
| Yukon Hybrid 4WD | $200 | $372 | $378 | $22 | $114 | $1,086 | $91 |
| Yukon Hybrid Denali 2WD | $222 | $420 | $378 | $22 | $114 | $1,156 | $96 |
| Yukon Hybrid Denali 4WD | $222 | $420 | $378 | $22 | $114 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific location information which can revise coverage prices significantly.
Based on the above data, using a $250 deductible could cost the average driver approximately $28 more each month or $336 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 27 months between claim filings, you would most likely save money if you choose a higher deductible.
The illustration below demonstrates how deductible levels and can change GMC Yukon premium costs for different age groups. The rates are based on a single male driver, comp and collision included, and no discounts are factored in.
Should you buy full coverage?
The information below illustrates the comparison of GMC Yukon insurance prices with full coverage and liability only. The rates are based on no claims or violations, $500 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There isn’t a written rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s assume your GMC Yukon book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Three reasons car insurance is important
Even though it can be expensive, car insurance may be mandatory for several reasons.
- Just about all states have minimum liability requirements which means the state requires a specific level of liability protection in order to license the vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your GMC Yukon, it’s guaranteed your bank will force you to have comprehensive coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your GMC at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.
- Car insurance preserves not only your GMC but also your assets. It also can pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $820 a year so you should quote and compare rates at every policy renewal to make sure the price is not too high.
How You Can Control GMC Yukon Insurance Costs
Lots of things are used in the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.
The items below are just a few of the factors that factor into your prices.
Deter theft and pay less – Owning a car with an alarm system can save you some money. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.
Tickets are costly – Your driving citation history has a big impact on rates. Having just one chargeable violation can boost insurance rates forty percent or more. Good drivers get better rates as compared to those with violations. Drivers unfortunate enough to have careless violations such as DUI or reckless driving may find they need to file a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
The information below demonstrates how traffic citations and at-fault accidents can drive up GMC Yukon insurance rates for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
When should you file insurance claims? – Car insurance companies in Massachusetts generally give the lowest premiums to people who file claims infrequently. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
Save money by raising physical damage deductibles – Your deductibles are how much you are required to spend before your insurance pays a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of some claims that would be covered could be colliding with a stationary object, animal collisions, and having a roll-over accident. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be.
More miles equals more premium – The more you drive your GMC in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based upon how much you drive. Cars that sit idle most of the time can get a lower rate than those that get driven frequently. Incorrect rating for your Yukon may be costing you. It’s a smart idea to ensure your insurance coverage is rated on annual mileage, because it can save money.
Rates can change based on your address – Residing in less populated areas of the country can save you money when buying insurance. Less people living in that area means reduced accidents and a lower car theft rate. City drivers tend to have more road rage incidents and much longer commute distances. Higher commute times means a statistically higher chance of an accident.
Claims statistics for a GMC Yukon – Insurers use data from past claims to determine a price that will be profitable for them. Vehicles that are shown to have a trend towards higher claims will cost more for coverage.
The next table illustrates the historical insurance loss data for GMC Yukon vehicles. For each coverage type, the claim probability for all vehicles, as an average, equals 100. Values that are under 100 indicate better than average losses, while percentage values above 100 indicate more frequent claims or statistically larger claims.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do you qualify for discounts?
Insurance is not cheap nor is it fun to buy but you might find some hidden discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but some discounts are required to be asked for before being credited.
- Professional Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your bill.
- Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
- Boston Homeowners Pay Less – Simply owning a home can help you save on insurance because of the fact that having a home shows financial diligence.
- Telematics Data – Boston drivers who agree to allow driving data submission to track their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
- Student Discount for Driver Training – Have your child take driver’s ed class if it’s offered in school.
- Good Student – Maintaining excellent grades can save 20 to 25%. This discount can apply until age 25.
- Multiple Cars – Purchasing coverage when you have multiple cars or trucks on one policy could earn a price break for each car.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will help reduce your overall bill.
The diagram below visualizes the comparison of GMC Yukon yearly insurance costs with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, marriage, and safe-driver discounts applied.
The best insurance companies and a summarized list of policyholder discounts are shown below.
- State Farm may include discounts for passive restraint, multiple autos, Steer Clear safe driver discount, driver’s education, multiple policy, and anti-theft.
- GEICO has discounts for five-year accident-free, daytime running lights, defensive driver, good student, emergency military deployment, and driver training.
- SAFECO offers discounts for teen safety rewards, multi-car, drive less, bundle discounts, teen safe driver, and anti-lock brakes.
- Farmers Insurance has savings for early shopping, electronic funds transfer, bundle discounts, mature driver, youthful driver, teen driver, and alternative fuel.
- AAA may offer discounts for multi-car, anti-theft, multi-policy, pay-in-full, and AAA membership discount.
- USAA discounts include military installation, loyalty savings, safe driver, driver training, and annual mileage.
If you need lower rates, check with each insurance company which discounts can lower your rates. A few discounts may not be available in Boston. For a list of insurance companies that offer the discounts shown above in Massachusetts, click this link.
Buying car insurance from Boston auto insurance agents
Many drivers just want to have an agent’s advice and doing that can be a smart decision The biggest benefit of getting free rate quotes online is the fact that you can find cheaper prices and still buy from a local agent.
Once you complete this form (opens in new window), your information is immediately sent to local insurance agents who will return price quotes to get your business. You don’t have to find an agent as quotes are delivered directly to your email. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to get a rate quote from a specific company, you can always visit that company’s website and give them your coverage information.
Finding a good insurance company shouldn’t rely on just a low price. Below are some questions you should ask.
- Can they provide you with a list of referrals?
- How much experience to they have in personal lines coverages?
- Will your rates increase after a single accident?
- How long has the business existed?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which company do they place the most coverage with?
- Are they involved in claim handling?
One last thing about your coverage
Cheaper GMC Yukon insurance in Boston can be bought on the web in addition to many Boston insurance agents, so you need to quote Boston auto insurance with both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these regional carriers only sell coverage through independent agents.
In this article, we presented many ideas to save on GMC Yukon insurance in Boston. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable Boston auto insurance quotes. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
Helpful resources
- Crash Avoidance Technologies FAQ (iihs.org)
- What Insurance is Cheapest for First-time Drivers in Boston? (FAQ)
- How Much is Auto Insurance for Good Students in Boston? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Dodge Ram in Boston? (FAQ)
- What Car Insurance is Cheapest for Active Military in Boston? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Boston? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Electronic Stability Control FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)