It’s hard to believe, but over 70% of consumers kept buying from the same company for more than four years, and virtually 40% of consumers have never quoted rates to find affordable coverage. Pennsylvania drivers could save themselves $690 a year by just comparing quotes, but they underestimate how much they could save if they switched to a more affordable policy.
The best way we recommend to find more affordable auto insurance rates is to start doing a yearly price comparison from providers in Pittsburgh. Prices can be compared by following these steps.
Step 1: Get an understanding of how auto insurance works and the things you can control to keep rates low. Many policy risk factors that result in higher prices like speeding tickets, careless driving and a lousy credit rating can be remedied by paying attention to minor details.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the price quotes to the premium of your current policy to see if cheaper Yukon coverage is available. If you find a lower rate, ensure there is no coverage lapse between policies.
Step 4: Give notification to your agent or company of your intent to cancel your existing policy. Submit payment and a completed application for your new coverage. Once the paperwork is finalized, safely store the certificate verifying proof of insurance with your vehicle’s registration.
The key aspect of shopping around is to make sure you’re comparing the same liability limits and deductibles on each quote and and to get price quotes from as many companies as possible. Doing this enables an apples-to-apples comparison and a complete selection of prices.
When price shopping your coverage, quoting more provides better odds of finding a lower rate than you’re paying now.
The companies in the list below are ready to provide price quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you visit two to three different companies to get the most affordable price.
Rates and detailed analysis
The premium table displayed below outlines estimates of insurance premium costs for GMC Yukon models. Understanding how insurance policy premiums are formulated can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $138 | $230 | $316 | $18 | $94 | $796 | $66 |
| Yukon SLE 2WD | $138 | $230 | $316 | $18 | $94 | $796 | $66 |
| Yukon 4WD | $138 | $230 | $316 | $18 | $94 | $796 | $66 |
| Yukon SLE 4WD | $138 | $230 | $316 | $18 | $94 | $796 | $66 |
| Yukon SLT 2WD | $138 | $230 | $316 | $18 | $94 | $796 | $66 |
| Yukon SLT 4WD | $154 | $230 | $316 | $18 | $94 | $812 | $68 |
| Yukon Denali 2WD | $154 | $270 | $316 | $18 | $94 | $852 | $71 |
| Yukon Denali 4WD | $154 | $270 | $316 | $18 | $94 | $852 | $71 |
| Yukon Hybrid 2WD | $154 | $310 | $358 | $22 | $106 | $950 | $79 |
| Yukon Hybrid 4WD | $154 | $310 | $358 | $22 | $106 | $950 | $79 |
| Yukon Hybrid Denali 2WD | $170 | $352 | $358 | $22 | $106 | $1,008 | $84 |
| Yukon Hybrid Denali 4WD | $170 | $352 | $358 | $22 | $106 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in vehicle garaging location which can decrease or increase price quotes noticeably.
Deductible analysis
When shopping for car insurance, a common question is how high should the physical damage deductibles be. The comparisons below can help you understand the premium difference between low and high deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates 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 Custom 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 Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in zip code location which can affect premiums significantly.
Based on this data, using a $250 deductible will cost you roughly $15 more each month or $180 each year across all GMC Yukon models than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 17 months between claims, you would come out ahead if you decide on a higher deductible.
How to calculate if higher deductibles make 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 note is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. That will require some money saved in the event you have to pay the higher deductible in order to repair your vehicle.
Save a ton on GMC Yukon insurance in Pittsburgh with these auto insurance discounts
Some insurance providers don’t always list all available discounts very well, so we took the time to find both the well known and the more hidden credits available to bring down your rates.
- Early Switch Discount – Some auto insurance companies reward drivers for switching to them before your current Yukon insurance policy expires. This can save 10% or more.
- Claim-Free Discount – Claim-free drivers can earn big discounts as compared to policyholders that have many claims.
- Multiple Vehicles – Drivers who insure all your vehicles with one company can reduce rates for all insured vehicles.
- Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
- Senior Citizens – Older drivers may receive lower premium rates.
Keep in mind that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.
The information below illustrates the comparison of GMC Yukon insurance premiums with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, claim-free, and safe-driver discounts applied.
Companies that may have most of these discounts are:
When quoting, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in Pittsburgh. To see providers that have a full spectrum of discounts in Pennsylvania, click here to view.
Auto insurance in Pennsylvania serves several purposes
Even though Pittsburgh Yukon insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to license the vehicle. 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.
- If you took out a loan on your vehicle, it’s most likely the lender will require you to buy insurance to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your GMC for a lot more money and force you to pay the higher premium.
- Insurance protects not only your GMC but also your financial assets. It will also provide coverage for medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. But the average American driver is overpaying more than $800 each year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.
When should I talk to an insurance agency?
Many drivers still prefer to talk to an insurance agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is the fact that you can find better rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Pittsburgh.
After completing this form (opens in new window), your insurance coverage information gets sent to insurance agents in Pittsburgh who will return price quotes for your business. You don’t have to contact an agency since rate quotes are delivered directly to your email. You’ll get the best rates without a big time investment. If you want to get a comparison quote from a specific car insurance provider, feel free to visit that company’s website and give them your coverage information.
Pick the best car insurance agent in Pittsburgh for you
If you would like to find a local Pittsburgh insurance agent, there are a couple of different agency structures and how they differ in how they quote coverages. Agents are classified as either exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
These agents are not employed by one company so they can write business through many different car insurance companies depending on which coverage is best. If premiums increase, they simply move the coverage in-house and you don’t have to switch agencies.
When searching for an agent, we highly recommend that you get insurance quotes from at a minimum one independent agency to get the best comparison.
The following is a partial list of independent agencies in Pittsburgh that may be able to give you free car insurance quotes.
Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington Pl – Pittsburgh, PA 15219 – (412) 391-3464 – View Map
Nationwide Insurance: Swenson Insurance Inc
234 Shady Ave – Pittsburgh, PA 15206 – (412) 362-8340 – View Map
Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map
Exclusive Insurance Agencies
These type of agents can usually just insure with one company and examples are State Farm or Allstate. They generally cannot shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Below are Pittsburgh exclusive agents who can help you get price quotes.
Steve Long – State Farm Insurance Agent
2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600 – View Map
Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map
Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 – View Map
Choosing the best car insurance agent should include more criteria than just a cheap price. Get answers to these questions too.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How will an accident affect your rates?
- Do they offer claims assistance after hours?
- Are they paid to recommend certain coverages?
- What companies can they write with?
- Are they able to provide referrals?
Upon receiving satisfactory answers as well as a price you’re happy with, you have narrowed it down to a car insurance agent that is reliable enough to insure your vehicles.