2009 HUMMER H3 Car Insurance Rates

Nobody likes buying auto insurance, especially when they are aware that they are paying too much. Because there are so many companies to choose from, it’s difficult to pick the right auto insurance company.

Shopping for affordable coverage is easy if you know what you’re doing. If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Consumers just need to know the proper methods to find the lowest price on the web.

How to buy insurance coverage online

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the most efficient way to do it. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the web for quick rates.

Most of the larger companies take part in a program that enables customers to only type in their quote data once, and every company returns a competitive quote based on that information. This system prevents you from having to do quote requests to every company.

To find out how much you can save on insurance coverage click here to open in new window.

The only downside to doing it this way is you don’t know exactly the providers to get quotes from. So if you want to choose individual companies to compare, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use apples-to-apples coverages on every quote you get. If you have mixed coverages you can’t possibly truly determine the lowest rate.

Double check you’re getting with these discounts

Insurance is not an enjoyable expense, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few must be specifically requested in order for you to get them.

• Telematics Discount – Drivers that enable their company to spy on driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Renewal Discounts – Some companies reward drivers for buying a policy early. Ten percent is about the average savings.
• Drive Less and Save – Maintaining low annual mileage can qualify you for lower insurancerates on the low mileage vehicles.
• New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less since new vehicles have better safety ratings.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 15% off the medical payments premium.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could get a discount of at least 10% off all policies.
• Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction on H3 insurance with certain companies.
• Responsible Drivers – Safe drivers can save as much as half off their rates on H3 insurance compared to rates paid by drivers with frequent claims.

Keep in mind that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, companies don’t profit that way.

If you would like to see a list of insurers who offer free insurance quotes, follow this link.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

• Is my dog or cat covered if injured in an accident?
• If I drive on a suspended license am I covered?
• Is rental equipment covered for theft or damage?
• Can I rent a car in Mexico?
• What can I do if my company won’t pay a claim?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills like surgery, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays for damage to your H3 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your HUMMER H3.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, loss of income, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.