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HUMMER H1 Insurance Rates

There are many options when trying to insure your HUMMER vehicle. You can buy from your neighborhood insurance agent or go online to compare rates from insurance carriers. Finding cheaper auto insurance by getting online quotes can be fast and easy and there is a good chance you will probably save money.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of companies competing for your business. Finding a lower price on HUMMER H1 insurance can be relatively painless. You just have to take a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates on a HUMMER H1 can be significantly different depending on several factors. Some of these factors include:

  • Higher performance H1 vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Having current coverage saves
  • Whether you own your home

One last important factor which can affect the rate you pay on your HUMMER is the year of manufacture. Newer models have a higher actual cash value so the cost to replace them may end up costing you more. On the flip side, new HUMMER models may have options like a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system that may help lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your H1 below.

Liability

This coverage provides protection from damage that occurs to people or other property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your HUMMER H1 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper HUMMER H1 insurance rates.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are HUMMER H1 Insurance Rates?