Car Insurance Costs for a GMC Yukon

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Here's what you need to know...

  • You should consider the cost of insurance when you’re considering purchasing a new vehicle
  • The Yukon has some safety features which will help keep the cost to insure it lower
  • Discounts and a higher deductible are other ways to lower your car insurance premiums

A 12-month premium for the GMC Yukon SLE Sport Utility is, on average, $1,295. The cost of insurance is an often overlooked, but extremely important, factor to consider before purchasing a vehicle.

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The GMC Yukon is a popular option among large SUVs. It carries an overall four-star safety rating from SaferCar.gov and is widely believed to be a good, affordable option in its class.

Should I consider insurance rates before purchasing a GMC Yukon?

GMC Yukon grill

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The answer is yes! Insurance rates are a significant cost of ownership and need to be taken into consideration when deciding if the GMC Yukon is the right vehicle for you.

The GMC Yukon ranks well among affordable large sport utility vehicles, but factors such as maintenance, gasoline, and insurance will all impact the amount of money you spend each month on your vehicle.

It would not be a wise decision to purchase a Yukon and not factor in the cost of insurance, as it can be a significant, but necessary, expense. This largely depends upon the type of coverage you choose, however.

Most states require a minimum level of liability coverage, but this will not protect you or your vehicle should it be necessary.

You would need to purchase a policy that includes collision and/or comprehensive coverage if you wanted your Yukon insured as well.

What are some of the safety features on the GMC Yukon that impact car insurance cost?

Interestingly, the Yukon doesn’t have any extra special safety features considering how much it costs. Here are the standard safety features on the Yukon:

  • Airbags: driver, passenger, side impact first row, head impact first row
  • Tire pressure monitoring system
  • OnStar
  • Side blind zone alert

According to the specs, there are no second or third-row airbags. In addition, they are not available as an extra feature; which can leave your passengers a little exposed.

The OnStar system adds some safety value because if you are in an accident the impact is immediately registered to someone and 911 can be dispatched immediately.

In many cases, this can mean the difference between a few stitches and some blood loss, serious injury or death!

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If I were to purchase a full-size sedan, instead of an SUV, would my insurance rates be lower?

The insurance rates for a sports utility vehicle are not necessarily higher than those of a full-size sedan. A variety of factors is considered by the insurance companies when determining rates.

They will take into account various vehicle safety features, as well as vehicle repair and replacements costs.

The GMC Yukon offers many safety features that will help to reduce the probability that you will be involved in an accident. These include the StabiliTrak stability control system, traction control, and a side blind zone alert.

It also offers dual-stage front airbags with built-in sensors that will respond to the severity of the crash by employing two different levels of inflation.

These amenities that help make the vehicle safer also decrease your likelihood of being involved or injured in an accident. This, in turn, lowers rates because the risk that the insurance company will have to pay out a claim on your policy is smaller.

Vehicle repair costs for the Yukon are similar to other SUVs in its class, which is a benefit if you are shopping for insurance rates.

Repair costs have a noteworthy impact on insurance rates because the insurer will calculate the probable cost of repairs that may be necessary throughout the term of the policy, as well as the cost to replace the vehicle.

It is important to be aware of the coverage your policy offers in terms of replacement costs. A majority of policies will only pay you the cash value of your vehicle should it be declared a total loss.

Depending on the age and condition, this amount may or may not replace your vehicle to your satisfaction.

Where can I find more information about purchasing insurance for a GMC Yukon?

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Insurance policies differ dramatically in terms of benefits and coverage that are offered. It is imperative that you thoroughly research the amount and type of coverage provided by the policy you ultimately choose.

Some policies may cover things you aren’t even aware of, such as roadside assistance.

Roadside assistance is an invaluable service if the need was ever to arise, and a significant expense if you are not aware that it could have been covered by your insurance.

Your rate will also depend on the deductible you choose. It is wise to choose a deductible that you can reasonably afford if you have to file a claim. Keep in mind, however, that the higher the deductible, the lower the premium.

It is also a good idea to ask what discounts each insurance carrier provides. Beyond a discount for a clean driving record, you might be eligible for low mileage discounts or multiple-policy discounts if you bundle your auto and home insurance with one company.

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