Vehicles > HUMMER > H1 Alpha

HUMMER H1 Alpha Insurance Cost

Comparing auto insurance by getting online quotes is easy, in addition you may find lower rates. The key is to get rates from all providers so you can compare the lowest rate quotes.

Beginners to comparing rates may think finding affordable H1 Alpha insurance is nearly impossible. Lowering your H1 Alpha insurance rates can be relatively painless. You just need to take a few minutes to compare quotes from different insurance companies. This can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a HUMMER H1 Alpha can fluctuate considerably based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating impacts rates
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older HUMMER models so repair costs are higher which may result in higher rates. Conversely, newer vehicles have more advanced features such as adaptive headlights, blind-spot warning system, and a rollover prevention system which may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability

Liability insurance can cover injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your HUMMER from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are HUMMER H1 Alpha Insurance Rates?