It’s hard to fathom, but almost 70% of insureds in Texas have purchased from the same company for at least the last four years, and approximately 40% of consumers have never shopped around. Many consumers in the U.S. could pocket as much as $860 a year just by shopping around, but most undervalue the large savings they would see if they replace their high priced policy.
The best way we recommend to find cheaper quotes for GMC Yukon insurance in Arlington is to regularly compare prices from insurers in Texas.
Step 1: Try to learn about the different coverages in a policy and the steps you can take to prevent expensive coverage. Many rating factors that drive up the price such as high-risk driving behaviors and a low credit rating can be improved by paying attention to minor details. This article gives more ideas to help find cheaper rates and find overlooked discounts.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide price quotes from many different companies. View prices
Step 3: Compare the price quotes to your existing policy to see if a cheaper price is available in Arlington. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Provide written notification to your current company of your decision to cancel your current coverage and submit a completed policy application and payment to your new company or agent. Once the application is submitted, store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
One thing to remember is to make sure you enter the same deductibles and limits on each quote request and and to get price quotes from every company you can. This provides a fair price comparison and maximum price selection.
When shopping for GMC Yukon insurance in Arlington there are multiple ways of comparing price quotes from car insurance companies in your area. The quickest method to find the cheapest GMC Yukon insurance rates consists of obtaining rate quotes online. Just keep in mind that comparing more rates from different companies helps you find a lower rate than you’re paying now.
The companies shown below have been selected to offer price comparisons in Texas. In order to find cheap car insurance in Arlington, we suggest you get rates from several of them to get the most competitive price.
Insurance statistics for a GMC Yukon
The premium table below highlights estimates of insurance prices for GMC Yukon models. Having knowledge of how insurance policy premiums are formulated is important to be able to make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Yukon SLE 2WD||$200||$306||$388||$24||$116||$1,034||$86|
|Yukon SLE 4WD||$200||$306||$388||$24||$116||$1,034||$86|
|Yukon SLT 2WD||$200||$306||$388||$24||$116||$1,034||$86|
|Yukon SLT 4WD||$222||$306||$388||$24||$116||$1,056||$88|
|Yukon Denali 2WD||$222||$360||$388||$24||$116||$1,110||$93|
|Yukon Denali 4WD||$222||$360||$388||$24||$116||$1,110||$93|
|Yukon Hybrid 2WD||$222||$414||$440||$26||$132||$1,234||$103|
|Yukon Hybrid 4WD||$222||$414||$440||$26||$132||$1,234||$103|
|Yukon Hybrid Denali 2WD||$244||$470||$440||$26||$132||$1,312||$109|
|Yukon Hybrid Denali 4WD||$244||$470||$440||$26||$132||$1,312||$109|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can revise rates substantially.
Responsible drivers pay cheaper Arlington insurance rates
The information below shows how traffic citations and accidents can increase GMC Yukon insurance premiums for different age groups of insureds. The data assumes a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Three reasons insurance is important
Despite the potentially high cost of GMC Yukon insurance, maintaining insurance is not optional due to several reasons.
First, just about all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Yukon has a lienholder, it’s guaranteed your bank will require that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your GMC for a much higher rate and force you to pay for the expensive policy.
Third, insurance protects not only your GMC Yukon but also your financial assets. Insurance will pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Arlington is wasting up to $800 each year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.
Get cheaper rates on GMC Yukon insurance in Arlington with these nine car insurance discounts
Auto insurance companies don’t always advertise every discount they offer in a way that’s easy to find, so below is a list both well-publicized as well as the least known credits that may apply to you.
- Save over 55 – Older drivers are able to get reduced rates.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for cheaper premium rates.
- Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you will save over 10 percent off each policy depending on the company.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Defensive Driving Course – Passing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
- Telematics Data Discounts – Insureds who allow their company to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
- Good Student – Performing well in school may save as much as 25% on a Arlington car insurance quote. Earning this discount can benefit you until age 25.
- Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, GEICO and Allstate will forgive one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
- Save with a New Car – Buying car insurance coverage on a new vehicle can save you some money compared to insuring an older model.
Remember that most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, car insurance companies aren’t that generous.
The illustration below shows the difference between GMC Yukon premium costs with and without some available policy discounts. The data is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.
A list of companies and a summarized list of policyholder discounts are detailed below.
- State Farm may include discounts for Steer Clear safe driver discount, anti-theft, driver’s education, passive restraint, good student, accident-free, and defensive driving training.
- GEICO offers premium reductions for five-year accident-free, multi-policy, seat belt use, multi-vehicle, membership and employees, air bags, and emergency military deployment.
- Progressive has savings for online signing, continuous coverage, online quote discount, multi-policy, and good student.
- 21st Century discounts include student driver, teen driver, anti-lock brakes, theft prevention, early bird, defensive driver, and air bags.
- American Family offers discounts for accident-free, mySafetyValet, good student, multi-vehicle, air bags, and TimeAway discount.
- The Hartford may have discounts that include defensive driver, air bag, driver training, anti-theft, and bundle.
- AAA may offer discounts for pay-in-full, anti-theft, education and occupation, AAA membership discount, multi-policy, and good student.
When getting a coverage quote, ask every prospective company which discounts they offer. Some discounts listed above might not be available to policyholders in every state. If you would like to choose from a list of car insurance companies who offer online GMC Yukon insurance quotes in Texas, click here to view.
Independent versus exclusive auto insurance agents
A lot of people would rather sit down with an agent and that is a smart decision A nice benefit of comparing rates online is that drivers can save money and get lower rates and still choose a local agent. Buying insurance from neighborhood agents is important particularly in Arlington.
After filling out this short form, your information is submitted to companies in Arlington who can give free rate quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to even leave your home because prices are sent instantly to you. You can get cheaper car insurance rates and a licensed agent to talk to. In the event you want to get a rate quote from a specific car insurance provider, don’t hesitate to go to their quote page and submit a quote form there.
Best car insurance agent in Arlington
If you are searching for a reputable agency, there are two different types of agents and how they are slightly different. Car insurance agents may be either exclusive agents or independent agents.
Independent Car Insurance Agencies
Agents of this type are not locked into one company so they have the ability to put coverage with an assortment of companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you stay with the same agent. When comparing car insurance rates, you absolutely need to compare quotes from at a minimum one independent agency to have the best price comparison. Many write coverage with additional companies that you may not be familiar with which can save you money.
The following are independent insurance agencies in Arlington that may be able to give pricing information.
- Kennedy Insurance
820 E Park Row Dr – Arlington, TX 76010 – (817) 461-2907 – View Map
- Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375 – View Map
- First Texas Insurance Services LC
700 Highlander Blvd #350 – Arlington, TX 76015 – (817) 275-2626 – View Map
Exclusive Insurance Agents
These type of agents generally can only insure with one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on sales techniques which helps them sell insurance even at higher premiums. A lot of people purchase coverage from exclusives primarily because of the prominent brand name rather than low rates.
The following is a short list of exclusive agents in Arlington who can help you get rate quotes.
- Jackie Halpin-Osteen – State Farm Insurance Agent
2530 Legacy Point Dr – Arlington, TX 76006 – (817) 274-1601 – View Map
- Mike Zapata – State Farm Insurance Agent
1115 E Pioneer Pkwy #140 – Arlington, TX 76010 – (817) 277-2021 – View Map
- Farmers Insurance – Josue Cardenas
2111 S Collins St #102 – Arlington, TX 76010 – (817) 303-8800 – View Map
Deciding on an car insurance agent requires you to look at more than just the price. Any agent in Arlington should be willing to answer these questions.
- Do they have cheaper tiers of coverage?
- Will the quote change when the policy is issued?
- How does the company pay claims for a total loss?
- Is there any savings for paying the full premium?
- Will they make sure you get an adequate claim settlement?
- How many years have they been established?
- Do you work with a CSR or direct with the agent?
- Which companies do they recommend if they are an independent agency?
Auto insurance specifics
Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as backing into a parked car, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible on your Yukon to bring the cost down.
Liability auto insurance – This coverage can cover injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for things like repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying better liability coverage.
The next chart shows why buying minimum limits may not be enough.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your GMC Yukon.
Since many Texas drivers carry very low liability coverage limits (which is 30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are identical to your policy’s liability coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, chiropractic care, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hail damage, fire damage, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
More quotes mean more insurance savings
A few companies may not have internet price quotes and these smaller companies only sell coverage through independent agents. Budget-conscious GMC Yukon insurance is definitely available online in addition to many Arlington insurance agents, so compare prices from both to get a complete price analysis.
People change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, questionable increases in premium or even unfair underwriting practices. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. In many instances, an accident victim reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.
Additional learning opportunities
- Liability Insurance Coverage (Nationwide)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Arlington? (FAQ)
- Who Has Affordable Arlington Auto Insurance Rates for a Chevrolet Silverado? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in Arlington? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda CR-V in Arlington? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Arlington? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Parking Tips to Reduce Door Dings (State Farm)
- Prepare your Teens for Safe Driving (InsureUonline.org)