GMC Yukon Insurance Rate Quotes in Tulsa

Insurance rates GMC Yukon in TulsaScraping up a payment for pricey GMC Yukon insurance in Tulsa can drain your budget and force you to make tough financial choices.

Sadly, most drivers have been with the same company for at least four years, and almost 40% of drivers have never compared rate quotes at all. Most drivers in Oklahoma can cut their rates by almost 35% a year by just comparing quotes, but they mistakenly think it’s difficult to compare rates.

Steps to finding cheaper GMC Yukon insurance in Tulsa

Truthfully, the best way to find low-cost GMC Yukon insurance in Tulsa is to do an annual price comparison from different companies that insure vehicles in Oklahoma. This can be done by completing these steps.

One key aspect of rate comparisons is to use identical coverages on each quote request and to quote with as many auto insurance providers as possible. Doing this enables a level playing field and the best price selection.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price on GMC Yukon insurance in Tulsa.

If you have coverage now or are just looking to switch companies, follow these tips to get lower rates without sacrificing coverage. Buying affordable car insurance in Tulsa is not that difficult as long as you know where to start. Vehicle owners only need an understanding of the most effective way to find the lowest price online.

Companies offering low-cost GMC Yukon prices in Tulsa, OK

The providers in the list below are ready to provide quotes in Oklahoma. If multiple companies are listed, we recommend you compare several of them to find the most affordable auto insurance rates.

GMC Yukon insurance charts and tables

The premium information displayed below covers a range of prices for GMC Yukon models. Having a good understanding how car insurance premiums are determined helps drivers make decisions when shopping your coverage around.

GMC Yukon Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $306 $532 $584 $34 $174 $1,630 $136
Yukon SLE 2WD $306 $532 $584 $34 $174 $1,630 $136
Yukon 4WD $306 $532 $584 $34 $174 $1,630 $136
Yukon SLE 4WD $306 $532 $584 $34 $174 $1,630 $136
Yukon SLT 2WD $306 $532 $584 $34 $174 $1,630 $136
Yukon SLT 4WD $340 $532 $584 $34 $174 $1,664 $139
Yukon Denali 2WD $340 $628 $584 $34 $174 $1,760 $147
Yukon Denali 4WD $340 $628 $584 $34 $174 $1,760 $147
Yukon Hybrid 2WD $340 $722 $658 $38 $198 $1,956 $163
Yukon Hybrid 4WD $340 $722 $658 $38 $198 $1,956 $163
Yukon Hybrid Denali 2WD $374 $816 $658 $38 $198 $2,084 $174
Yukon Hybrid Denali 4WD $374 $816 $658 $38 $198 $2,084 $174
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in zip code location which can decrease or increase price quotes noticeably.

Physical damage deductible comparison

One frequently asked question is how high should your deductibles be. The following tables illustrate the cost difference when you buy lower versus higher coverage deductibles. The first data table uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

GMC Yukon insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $436 $698 $448 $26 $134 $1,767 $147
Yukon SLE 2WD $436 $698 $448 $26 $134 $1,767 $147
Yukon 4WD $436 $698 $448 $26 $134 $1,767 $147
Yukon SLE 4WD $436 $698 $448 $26 $134 $1,767 $147
Yukon SLT 2WD $436 $698 $448 $26 $134 $1,767 $147
Yukon SLT 4WD $486 $698 $448 $26 $134 $1,817 $151
Yukon Denali 2WD $486 $822 $448 $26 $134 $1,941 $162
Yukon Denali 4WD $486 $822 $448 $26 $134 $1,941 $162
Yukon Hybrid 2WD $486 $946 $506 $30 $152 $2,145 $179
Yukon Hybrid 4WD $486 $946 $506 $30 $152 $2,145 $179
Yukon Hybrid Denali 2WD $536 $1070 $506 $30 $152 $2,319 $193
Yukon Hybrid Denali 4WD $536 $1070 $506 $30 $152 $2,319 $193
Get Your Own Custom Quote Go

GMC Yukon insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $242 $368 $448 $26 $134 $1,218 $102
Yukon SLE 2WD $242 $368 $448 $26 $134 $1,218 $102
Yukon 4WD $242 $368 $448 $26 $134 $1,218 $102
Yukon SLE 4WD $242 $368 $448 $26 $134 $1,218 $102
Yukon SLT 2WD $242 $368 $448 $26 $134 $1,218 $102
Yukon SLT 4WD $270 $368 $448 $26 $134 $1,246 $104
Yukon Denali 2WD $270 $432 $448 $26 $134 $1,310 $109
Yukon Denali 4WD $270 $432 $448 $26 $134 $1,310 $109
Yukon Hybrid 2WD $270 $498 $506 $30 $152 $1,456 $121
Yukon Hybrid 4WD $270 $498 $506 $30 $152 $1,456 $121
Yukon Hybrid Denali 2WD $296 $564 $506 $30 $152 $1,548 $129
Yukon Hybrid Denali 4WD $296 $564 $506 $30 $152 $1,548 $129
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in vehicle location which can lower or raise prices significantly.

Based on the above data, using a $100 deductible will cost you about $52 more each month or $624 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claim filings, you would come out ahead if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $163
Average monthly premium for $1,000 deductibles (subtract): – $111
Monthly savings from raising deductible: $52
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $52
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have a physical damage claim. That will require some available funds in the event you have to pay the deductible.

The information below illustrates how your deductible choice and can increase or decrease GMC Yukon premium costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.

Safe drivers pay less for car insurance

The chart below illustrates how traffic citations and accidents drive up GMC Yukon insurance premiums for each different age category. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Car insurance rates by age and gender

The chart below illustrates the difference between GMC Yukon insurance prices for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Cost of full coverage in Tulsa

The information below illustrates the comparison of GMC Yukon insurance costs with full coverage and liability only. The data assumes no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to drop full coverage

There is no set guideline for excluding physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s assume your GMC Yukon replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Do you qualify for these eight discounts?

Insuring your fleet can be pricey, but there could be significant discounts that can drop the cost substantially. Most are applied when you complete an application, but once in a while a discount must be specifically requested in order for you to get them.Cheaper car insurance with discounts

Keep in mind that most discounts do not apply to the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The diagram below visualizes the comparison of GMC Yukon insurance rates with and without discounts applied. The price estimates are based on a female driver, no claims, a clean driving record, Oklahoma 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 safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.

Large car insurance companies and their offered discounts are shown below.

If you want low cost Tulsa auto insurance quotes, ask all companies you are considering what discounts are available to you. Discounts may not apply in every state. To see insurance companies offering car insurance discounts in Oklahoma, follow this link.

Insurance is unique, just like you

When selecting insurance from an agent or online for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.Drive safe and save

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Get rate quotes but buy from a local Tulsa insurance agent

Some people still like to go talk to an agent and we recommend doing that Most agents will help you protect your assets and help submit paperwork. The best thing about price shopping on the web is you may find cheap insurance rates but still work with a licensed agent. Buying from neighborhood agents is important particularly in Tulsa.

To help locate an agent, after submitting this short form, your insurance data is instantly submitted to local insurance agents that can provide free Tulsa auto insurance quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered straight to your inbox. In the event you want to get a comparison quote from a particular provider, you would need to find their quoting web page and give them your coverage information.

If you want to use a local insurance agency, it helps to know the two types of agencies that you can select. Insurance policy providers can be described as either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s good to learn the subtle differences since it could factor into your selection of an agent.

Independent Insurance Agents

Agents that choose to be independent can quote rates with many companies and that enables them to quote your coverage with an assortment of companies and find you the best rates. To move your coverage to a new company, they simply switch companies in-house without you having to go to a different agency. If you are trying to find cheaper rates, you need to get rate quotes from independent agents so that you can do a thorough price comparison.

Shown below is a partial list of independent agents in Tulsa who may be able to give you cheap rate quotes.

4444 E 66th StTulsa, OK 74136(918) 494-0600View Map

6145 E 21st StTulsa, OK 74114(918) 832-8823View Map

1825 S Garnett RdTulsa, OK 74128(918) 234-0022View Map

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Exclusive Agents

Agents of this type can only provide one company’s prices like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive agencies receive extensive training on their company’s products which helps them compete with independent agents.

Shown below are exclusive insurance agencies in Tulsa willing to provide comparison quotes.

10021 S Yale Ave #102Tulsa, OK 74137(918) 298-2100View Map

2828 E 91st StTulsa, OK 74137(918) 298-5444View Map

8929 S Memorial Dr #190Tulsa, OK 74133(918) 254-1959View Map

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Picking the best car insurance agent is decision based upon more than just the premium amount. The questions below may impact your decision as well.

If you get acceptable answers to your questions as well as a affordable price, it’s possible that you found an insurance agency that is a good match to adequately provide insurance.

Learn about car insurance coverages for a GMC Yukon

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your GMC Yukon.

Due to the fact that many Oklahoma drivers only carry the minimum required liability limits (Oklahoma limits are 25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Liability coverages – Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, funeral expenses, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Oklahoma state minimum liability requirements are 25/50/25 but it’s recommended drivers buy more liability than the minimum.

The illustration below demonstrates why minimum state limits may not be adequate.

Collision coverage – This pays for damage to your Yukon resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle, crashing into a building, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible on your Yukon in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

One last thing about your coverage

We just covered quite a bit of information on how to save on GMC Yukon insurance in Tulsa. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company.

As you quote Tulsa auto insurance, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best cost.

There are still a few companies who may not offer rates over the internet and these small insurance companies only sell coverage through independent agents. Affordable GMC Yukon insurance in Tulsa is attainable from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

Steps to buying low-cost GMC Yukon insurance in Tulsa

If you want to save money, the best way to get budget GMC Yukon insurance in Tulsa is to do an annual price comparison from insurance carriers that sell auto insurance in Oklahoma.

Step 1: Try to understand auto insurance and the measures you can take to prevent rate increases. Many policy risk factors that cause rate increases like at-fault accidents, careless driving, and bad credit can be remedied by improving your driving habits or financial responsibility.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for many different companies.

Step 3: Compare the new rates to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.

Step 4: Give notification to your current company of your intent to cancel your current auto insurance policy. Submit a completed application and payment to your new agent or company. Immediately keep the new certificate of insurance above your visor, in the console, or in the glove compartment.

A good piece of advice is that you’ll want to make sure you compare the same level of coverage on each quote and and to get rates from as many different companies as possible. Doing this ensures a fair price comparison and the best rate selection.

Much more information about auto insurance in Oklahoma is available at these links: