Best Quotes for GMC Yukon Insurance in Bakersfield

The preferred way to get the cheapest GMC Yukon insurance in Bakersfield is to regularly compare price quotes from companies in California.

One piece of advice is to use similar coverage information on every quote request and and to look at all possible companies. Doing this helps ensure a fair price comparison and a complete price analysis.

Insurance for GMC YukonIt’s shocking but about 70% of customers have purchased from the same company for more than four years, and about 40% of consumers have never shopped around. Bakersfield drivers could save themselves $470 a year by just shopping around, but they just don’t understand how much savings they would realize if they switched to a more affordable policy.

Free Bakersfield GMC Yukon insurance price quotes

The companies shown below offer free rate quotes in California. If the list has multiple companies, it’s a good idea that you click on several of them in order to find the cheapest rates.

GMC Yukon detailed coverage information

The price information displayed next highlights estimates of insurance prices for GMC Yukon models. Understanding how insurance premiums are formulated can be valuable when making decisions on which coverage to buy.

GMC Yukon Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $296 $478 $416 $24 $124 $1,338 $112
Yukon SLE 2WD $296 $478 $416 $24 $124 $1,338 $112
Yukon 4WD $296 $478 $416 $24 $124 $1,338 $112
Yukon SLE 4WD $296 $478 $416 $24 $124 $1,338 $112
Yukon SLT 2WD $296 $478 $416 $24 $124 $1,338 $112
Yukon SLT 4WD $330 $478 $416 $24 $124 $1,372 $114
Yukon Denali 2WD $330 $562 $416 $24 $124 $1,456 $121
Yukon Denali 4WD $330 $562 $416 $24 $124 $1,456 $121
Yukon Hybrid 2WD $330 $648 $470 $28 $140 $1,616 $135
Yukon Hybrid 4WD $330 $648 $470 $28 $140 $1,616 $135
Yukon Hybrid Denali 2WD $364 $732 $470 $28 $140 $1,734 $145
Yukon Hybrid Denali 4WD $364 $732 $470 $28 $140 $1,734 $145
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle location which can influence premiums considerably.

GMC Yukon Insurance Rate Factors

Multiple criteria are used in the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are more obscure such as your marital status or your vehicle rating. The best way to find cheaper insurance is to take a look at the factors that go into determining insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your prices.

Annual mileage impacts premiums – The more you drive your GMC in a year’s time the more it will cost to insure it. A lot of companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles left parked in the garage can be on a lower rate level than vehicles that have high annual mileage. Verify your insurance policy correctly shows the correct driver usage. An improperly rated Yukon may be costing you higher rates.

City dwellers may pay more – Choosing to live in smaller towns and rural areas of the country is a positive aspect when insuring your vehicles. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. People who live in big cities have much more traffic and longer commute times. The longer drive time can result in more accidents.

Do you work long hours in a tough employer? – Did you know your insurance rates can be affected by your occupation? Occupations such as real estate brokers, airline pilots, and financial analysts tend to pay higher rates than average due to high stress and long work days. On the other hand, jobs like professors, athletes and the unemployed have the lowest average rates.

Which gender costs less? – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better drivers. Men and women are in fender benders at about the same rate, but guys tend to have higher claims. They also get more serious tickets such as DWI and reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore pay the highest rates.

The chart below compares GMC Yukon auto insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Don’t abuse policy claims – Car insurance companies in California generally give better rates to insureds who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is designed for the large, substantial claims.

Your liability coverage limits – Your insurance policy’s liability coverage will provide protection if ever a court rules you are at fault for damages from an accident. Your liability coverage provides for a legal defense starting from day one. Liability insurance is quite affordable compared to comp and collision, so do not skimp.

Do you really need roadside assistance? – Insurance companies have many optional add-on coverages that may not really be needed if you aren’t careful. Insurance for things like rental car coverage, better glass coverage, and Farm Bureau memberships are probably not needed. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.

GMC Yukon claim probability – Auto insurance companies use data from past claims as a way to help calculate a profitable premium rate. Models that are shown to have higher losses will cost more to insure. The table below demonstrates the loss history for GMC Yukon vehicles.

For each policy coverage, the claim probability for all vehicles, as an average, equals 100. Values that are under 100 mean the vehicle has better than average losses, while numbers above 100 indicate higher probability of having a loss or statistically larger claims.

Insurance Loss Ratings for GMC Yukon Vehicles
Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance is not optional

Despite the potentially high cost of GMC Yukon insurance, maintaining insurance is a good idea for several reasons.

First, just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to drive the car. In California 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 bought your vehicle with a loan, most lenders will have a requirement that you buy insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your GMC at an extremely high rate and require you to reimburse them a much higher amount than you were paying before.

Third, insurance protects not only your car but also your financial assets. It will also reimburse you for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your GMC as the result of the weather or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance are without a doubt worth the cost, especially for larger claims. But the average driver in California is overpaying more than $865 each year so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.

Best auto insurance company in California

Picking the top auto insurance company is hard considering how many different insurance companies sell coverage in Bakersfield. The information in the next section can help you choose which car insurance providers you want to consider buying from.

Top Auto Insurance Companies in Bakersfield
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies