High-priced car insurance in Los Angeles can drain your personal savings and force you to cut corners elsewhere. Comparison shopping is a fast and free way to slash your bill and have more diposable income.
Unfortunately, the vast majority of car insurance customers have remained with the same car insurance company for four years or more, and almost half have never even compared quotes to find cheaper rates. The average driver in California can cut their rates by roughly $500 a year by just comparing quotes, but most undervalue the actual amount they would save if they bought a different policy.
Having so many online and local companies to choose from, it can be hard to find the lowest price car insurance provider.
Locating the best rates in Los Angeles can be made easier if you know where to look. Essentially every vehicle owner who is looking for a better price on car insurance will probably find a lower-cost company. Nevertheless, California car owners must know the way insurance companies compete online because rates fluctuate considerably.
Get cheaper rates by receiving discounts
Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be inquired about before being credited.
- Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
- Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of 25 to 30%.
- Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
- Drive Safe and Save – Accident-free drivers may save up to 50% more as compared to drivers with claims.
- No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on Los Angeles auto insurance quote when compared with frequent claim filers.
- Resident Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
- Multi-policy Discount – When you combine your homeowners and auto insurance with the same company you could get a discount of nearly 15% which can help you find affordable GMC Yukon insurance rates in Los Angeles.
You should keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.
The chart below shows the comparison of GMC Yukon premium costs with and without some available policy discounts. The rate quotes are based on a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, marriage, and homeowner discounts applied.
Some companies who may offer many of the previously listed discounts are:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
When getting a coverage quote, ask every insurance company what discounts are available to you. Savings might not be offered on policies in Los Angeles.
To find affordable Los Angeles auto insurance quotes, there are several ways to get quotes from lots of California car insurance companies. The fastest way to compare GMC Yukon insurance prices involves getting comparison quotes online.
Online shopping is fast and free, and it takes the place of having to actually drive to local insurance agencies. Doing it all online eliminates the middleman unless you want the personal advice only provided by licensed agents. However, consumers can get prices online but purchase the actual policy in an agency.
When quoting car insurance, remember that comparing more prices will enable you to find better pricing. Not every company does price estimates online, so it’s recommended that you also compare price estimates on coverage from those companies, too.
The providers in the list below are our best choices to provide free rate quotes in Los Angeles, CA. If multiple companies are listed, it’s highly recommended you visit several of them to get the most affordable price.
Statistics and details
The coverage table displayed next outlines different policy rates for GMC Yukon models. Understanding more about how rates are calculated can help customers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Yukon SLE 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Yukon 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Yukon SLE 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Yukon SLT 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Yukon SLT 4WD | $348 | $464 | $442 | $26 | $132 | $1,412 | $118 |
| Yukon Denali 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Yukon Denali 4WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Yukon Hybrid 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| Yukon Hybrid 4WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| Yukon Hybrid Denali 2WD | $384 | $712 | $500 | $30 | $150 | $1,776 | $148 |
| Yukon Hybrid Denali 4WD | $384 | $712 | $500 | $30 | $150 | $1,776 | $148 |
| Get Your Own Customized Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in specific Los Angeles garaging location which can modify premium rates noticeably.
Physical damage deductible comparison
One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The rates shown below summarize the rate differences between low and high insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Yukon SLE 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Yukon 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Yukon SLE 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Yukon SLT 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Yukon SLT 4WD | $430 | $576 | $442 | $26 | $132 | $1,631 | $136 |
| Yukon Denali 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Yukon Denali 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Yukon Hybrid 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Yukon Hybrid 4WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Yukon Hybrid Denali 2WD | $474 | $882 | $500 | $30 | $150 | $2,061 | $172 |
| Yukon Hybrid Denali 4WD | $474 | $882 | $500 | $30 | $150 | $2,061 | $172 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yukon 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Yukon SLE 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Yukon 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Yukon SLE 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Yukon SLT 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Yukon SLT 4WD | $266 | $362 | $442 | $26 | $132 | $1,228 | $102 |
| Yukon Denali 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Yukon Denali 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Yukon Hybrid 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Yukon Hybrid 4WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Yukon Hybrid Denali 2WD | $292 | $556 | $500 | $30 | $150 | $1,528 | $127 |
| Yukon Hybrid Denali 4WD | $292 | $556 | $500 | $30 | $150 | $1,528 | $127 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can affect rates considerably.
Based on the data above, we can derive that using a $250 deductible costs approximately $37 more each month or $444 every year averaged for all Yukon models than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 20 months between claim filings, you would probably be better off if you elect the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a claim. You need to have some savings in the event you need to pay the higher deductible.
Males versus Females
The chart below shows the difference between GMC Yukon insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Does full coverage make sense?
The chart below shows the comparison of GMC Yukon insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The price estimates are based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Should you buy full coverage or liability only?
There is no definitive guideline for phasing out physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your GMC Yukon claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.
It’s not one size fits all
When choosing insurance from an agent or online for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.
Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.
- How much liability insurance is required?
- What is medical payments coverage?
- Do I really need UM/UIM coverage?
- Do I have coverage when making deliveries for my home business?
- What discounts do I qualify for?
- If my pet gets injured in an accident are they covered?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.
Comparing prices from local Los Angeles insurance agents
Many people just prefer to talk to a local agent and that is just fine! One of the great benefits of getting free rate quotes online is that you can find lower rates and still choose a local agent.
By using this simple form, your insurance coverage information is emailed to local insurance agents in Los Angeles that can provide free Los Angeles auto insurance quotes and help you find cheaper coverage. You won’t even need to find an agent since rate quotes are delivered immediately to you. Get lower rates AND a local agent. If you want to quote rates from one company in particular, feel free to visit that company’s website and fill out their quote form.
Finding the right provider requires you to look at more than just a cheap price quote. Any agent in Los Angeles should be willing to answer these questions.
- In the event of vehicle damage, can you pick the collision repair facility?
- Will the agent or a CSR service your policy?
- Do they feel the quoted coverages are adequate?
- What is the agency’s Better Business Bureau rating?
- What companies can they write with?
- Is the agency active in community causes in Los Angeles?
If you prefer to buy auto insurance from a good insurance agency, it can be helpful to understand the types of insurance agents and how they function. Auto insurance policy providers can either be independent or exclusive.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company’s prices and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on what they offer which can be an advantage.
Listed below are exclusive agencies in Los Angeles that are able to give price quotes.
Julie Montenegro – State Farm Insurance Agent
5683 York Blvd – Los Angeles, CA 90042 – (323) 892-2880 – View Map
Terza West-Dantzler – State Farm Insurance Agent
875 N Gower St – Los Angeles, CA 90038 – (323) 462-1096 – View Map
Yvonne Solis – State Farm Insurance Agent
1375 Sunset Blvd – Los Angeles, CA 90026 – (213) 202-2800 – View Map
Independent Insurance Agents
Independent agents are not required to write business for one company and that enables them to quote your coverage with multiple insurance companies and get the cheapest rates. If premiums increase, the agent simply finds a different carrier and that require little work on your part.
When comparing auto insurance rates, it’s recommended you include a couple of independent agencies to ensure the widest selection of prices.
Listed below is a short list of independent agents in Los Angeles that are able to give price quote information.
Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 – View Map
STARC INSURANCE AGENCY,INC
5250 W Century Blvd #426 – Los Angeles, CA 90045 – (888) 400-4004 – View Map
Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map
Don’t give up on affordable rates
We’ve covered a lot of techniques to lower your GMC Yukon insurance premium rates in Los Angeles. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive Los Angeles auto insurance quotes. You may even discover the lowest premium rates come from a small local company.
When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage to discover at claim time that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price, but do not skimp to save money.
Low-cost GMC Yukon insurance in Los Angeles is attainable both online and also from your neighborhood Los Angeles agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get quotes online and usually these small, regional companies sell through independent insurance agents.
Helpful learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Los Angeles Car Insurance Rates for a Ford Explorer? (FAQ)
- How Much are Auto Insurance Quotes for 17 Year Olds in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Auto Insurance for 19 Year Olds? (FAQ)
- Who Has the Cheapest Los Angeles Auto Insurance for Handicapped Drivers? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Event Data Recorders FAQ (iihs.org)
- Liability Insurance Coverage (Nationwide)