Comparison shopping for cheaper GMC Yukon insurance in Philadelphia might be a challenge for drivers new to online price comparisons. With such a big selection of agents and companies in the marketplace, it can turn into a lot of work to find the lowest price on GMC Yukon insurance.
Regrettably, about 70% of customers have purchased from the same company for at least four years, and nearly 40% of drivers have never compared quotes from other companies. Consumers in Philadelphia can cut their rates by as much as 55% a year, but they don’t want to spend time to find lower-cost car insurance rates.
The quickest method we recommend to compare car insurance company rates for GMC Yukon insurance in Philadelphia is to know most larger insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is take a few minutes to give details such as driver details, if you require a SR-22, which vehicles you own, and an estimate of your credit level. That information is sent automatically to multiple different insurance companies and they provide comparison quotes immediately.
To get price quotes for your GMC Yukon now, click here and complete the form.
The companies shown below offer quotes in Philadelphia, PA. If the list has multiple companies, we suggest you click on several of them to get the best price comparison.
Choosing GMC Yukon insurance is an important decision
Despite the high cost, car insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your Yukon, it’s most likely the lender will require you to buy full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may insure your GMC at a more expensive rate and force you to pay much more than you were paying before.
Third, car insurance preserves not only your GMC but also your assets. It will also reimburse you for many types of medical costs that are the result of an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having car insurance are definitely more than the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so shop around at every policy renewal to save money.
Rate information and statistics
The rate information shown next outlines estimates of insurance premium costs for GMC Yukon models. Having a better idea how insurance prices are determined is important for drivers to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $180 | $286 | $310 | $18 | $92 | $886 | $74 |
| Yukon SLE 2WD | $180 | $286 | $310 | $18 | $92 | $886 | $74 |
| Yukon 4WD | $180 | $286 | $310 | $18 | $92 | $886 | $74 |
| Yukon SLE 4WD | $180 | $286 | $310 | $18 | $92 | $886 | $74 |
| Yukon SLT 2WD | $180 | $286 | $310 | $18 | $92 | $886 | $74 |
| Yukon SLT 4WD | $200 | $286 | $310 | $18 | $92 | $906 | $76 |
| Yukon Denali 2WD | $200 | $338 | $310 | $18 | $92 | $958 | $80 |
| Yukon Denali 4WD | $200 | $338 | $310 | $18 | $92 | $958 | $80 |
| Yukon Hybrid 2WD | $200 | $390 | $350 | $20 | $104 | $1,064 | $89 |
| Yukon Hybrid 4WD | $200 | $390 | $350 | $20 | $104 | $1,064 | $89 |
| Yukon Hybrid Denali 2WD | $220 | $440 | $350 | $20 | $104 | $1,134 | $95 |
| Yukon Hybrid Denali 4WD | $220 | $440 | $350 | $20 | $104 | $1,134 | $95 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle location which can change coverage rates greatly.
Higher deductibles save money
One frequently asked question is what deductibles to buy. The following insurance rates highlight the price difference when you buy lower versus higher coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Yukon SLE 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Yukon 4WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Yukon SLE 4WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Yukon SLT 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Yukon SLT 4WD | $320 | $428 | $330 | $20 | $98 | $1,221 | $102 |
| Yukon Denali 2WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Yukon Denali 4WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Yukon Hybrid 2WD | $320 | $582 | $372 | $22 | $112 | $1,433 | $119 |
| Yukon Hybrid 4WD | $320 | $582 | $372 | $22 | $112 | $1,433 | $119 |
| Yukon Hybrid Denali 2WD | $352 | $658 | $372 | $22 | $112 | $1,541 | $128 |
| Yukon Hybrid Denali 4WD | $352 | $658 | $372 | $22 | $112 | $1,541 | $128 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Yukon SLE 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Yukon 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Yukon SLE 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Yukon SLT 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Yukon SLT 4WD | $260 | $346 | $330 | $20 | $98 | $1,054 | $88 |
| Yukon Denali 2WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Yukon Denali 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Yukon Hybrid 2WD | $260 | $468 | $372 | $22 | $112 | $1,234 | $103 |
| Yukon Hybrid 4WD | $260 | $468 | $372 | $22 | $112 | $1,234 | $103 |
| Yukon Hybrid Denali 2WD | $286 | $530 | $372 | $22 | $112 | $1,322 | $110 |
| Yukon Hybrid Denali 4WD | $286 | $530 | $372 | $22 | $112 | $1,322 | $110 |
| Get Your Own Customized Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in your specific Philadelphia location which can decrease or increase rates considerably.
Based on these figures, using a $250 deductible will cost you approximately $15 more each month or $180 every year than requesting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 17 months between claim filings, you would most likely save money if you decide on a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to be aware of is that raising deductibles to save money means you will have to pay more of your own money when you file a claim. You need to have enough money in the bank in the event you have to pay the deductible for vehicle repair.
The chart below demonstrates how deductibles and can impact GMC Yukon insurance rates for different ages of insureds. The costs are based on a single female driver, full coverage, and no other discounts are factored in.
Full coverage or liability only
The diagram below illustrates the difference between GMC Yukon annual premium costs with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no claims, $500 deductibles, single marital status, and no policy discounts are applied.
When to stop paying for full coverage
There is no specific rule of when to exclude physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your GMC Yukon claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your deductible. If you are currently paying more than $200 annually for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Cheap Philadelphia insurance rates with discounts
Insurance is not an enjoyable expense, but you can get discounts that could drop your premiums quite a bit. Some discounts apply automatically at quote time, but once in a while a discount must be specifically requested before they will apply.
- Save over 55 – Mature drivers can get lower premium rates.
- Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
- Multi-policy Discount – If you insure your home and vehicles with the same company you could save at least 10 to 15 percent or more.
- Philadelphia Homeowners Discount – Owning your own home or condo can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.
The diagram below compares GMC Yukon yearly insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no driving violations, no at-fault accidents, Pennsylvania 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 safe-driver, multi-policy, claim-free, multi-car, marriage, and homeowner discounts applied.
A list of companies and a summarized list of policyholder discounts are outlined below.
- American Family has discounts for early bird, accident-free, TimeAway discount, Steer into Savings, multi-vehicle, and good driver.
- Farm Bureau may include discounts for driver training, safe driver, multi-policy, good student, 55 and retired, youthful driver, and renewal discount.
- State Farm offers discounts for Drive Safe & Save, safe vehicle, anti-theft, student away at school, driver’s education, accident-free, and good student.
- Travelers discounts include multi-policy, home ownership, payment discounts, good student, and early quote.
- The Hartford may offer discounts for vehicle fuel type, anti-theft, air bag, driver training, and good student.
- GEICO includes discounts for federal employee, air bags, emergency military deployment, military active duty, multi-vehicle, good student, and driver training.
- Progressive may have discounts that include continuous coverage, multi-vehicle, online quote discount, homeowner, good student, online signing, and multi-policy.
When getting free Philadelphia auto insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in every state.
Local Philadelphia insurance agents
A small number of people still like to sit down and talk to an agent and that is OK! The biggest benefit of getting free rate quotes online is the fact that drivers can get the best rates and still have an agent to talk to.
By using this short form, your information is sent to companies in Philadelphia who will give you quotes for your business. You never need to drive around because prices are sent immediately to your email address. It’s the lowest rates and work with a local agent. If you need to compare rates from a specific insurance company, you just need to navigate to their website and submit a quote form there.
Finding the right provider needs to be determined by more than just a low price. These are valid questions to ask:
- Do they offer claims assistance after hours?
- Does the quote include credit and driving reports?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
- Is there any savings for paying the full premium?
- If independent agents, which companies do they recommend?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
If you would like to find a local agent, there are a couple of different agency structures from which to choose. Agents can be described as either independent agents or exclusive agents.
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only quote rates from one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to shop your coverage around so you need to shop around if the rates are high. They are usually quite knowledgeable on their company’s products and that can be a competitive advantage. A lot of people buy from the same agent for years mainly due to high brand loyalty instead of buying on price only.
The following is a short list of exclusive agents in Philadelphia who may provide you with comparison quotes.
- Allstate Insurance: Bruce Datil
4201 I St – Philadelphia, PA 19124 – (215) 288-7992 – View Map - State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map - Craig Alleyne – State Farm Insurance Agent
6335 Wayne Avenue – Philadelphia, PA 19144 – (215) 438-8440 – View Map
Independent Insurance Agents
Independent agencies are not employed by any specific company and that is an advantage because they can write policies through lots of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent. When shopping rates, you will definitely want to get insurance quotes from multiple independent agents so that you can do a thorough price comparison. They often place coverage with different regional companies that many times have cheaper rates.
Listed below are Philadelphia independent agents that are able to give rate quotes.
- The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map - Goebel Insurance Agency, Inc.
2026 S 12th St – Philadelphia, PA 19148 – (215) 465-9311 – View Map - America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map
Quote. Compare. Save.
When searching for inexpensive Philadelphia auto insurance quotes, make sure you don’t buy less coverage just to save a little money. There have been many cases where consumers will sacrifice full coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest price while still protecting your assets.
We just presented quite a bit of information on how to find lower-cost GMC Yukon insurance in Philadelphia. The most important thing to understand is the more you quote Philadelphia auto insurance, the higher your chance of finding cheaper Philadelphia auto insurance quotes. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
Cheap GMC Yukon insurance in Philadelphia is possible both online in addition to many Philadelphia insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online quoting and these regional carriers work with independent agents.
Helpful information
- Collision Coverage (Liberty Mutual)
- How Much is Philadelphia Auto Insurance for Drivers Requiring a SR22? (FAQ)
- How Much are Auto Insurance Quotes for a 20 Year Old Female in Philadelphia? (FAQ)
- Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Philadelphia? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Auto Theft Statistics (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)