2009 HUMMER H2 Insurance Rates

Looking for better insurance rates? Shoppers have options when shopping for the best price on HUMMER H2 insurance. They can either waste time calling around getting price quotes or leverage the internet to compare rates.

There are both good and bad ways to compare insurance rates and we’ll show you the proper way to get price quotes on a HUMMER and get the best price possible either online or from local insurance agents.

Save a ton with discounts

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for before being credited.

• Military Rewards – Being on active duty in the military could trigger a small discount.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on H2 insurance.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
• Paperwork-free – A handful of insurance companies will provide an incentive simply for signing over the internet.
• Professional Organizations – Being in a civic or occupational organization is a simple method to lower premiums on your next insurance coverage statement.
• Student Driver Training – Require your teen driver to participate in a local driver’s education class if offered at their school.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works. But all discounts should help reduce your premiums.

Companies and their possible discounts are:

• Travelers may offer discounts for continuous insurance, good student, student away at school, payment discounts, new car, multi-policy, and save driver.
• 21st Century includes discounts for anti-lock brakes, 55 and older, early bird, teen driver, homeowners, and defensive driver.
• State Farm offers discounts including multiple policy, good driver, driver’s education, passive restraint, good student, and defensive driving training.
• Geico offers premium reductions for daytime running lights, air bags, military active duty, multi-vehicle, and multi-policy.
• SAFECO has savings for drive less, bundle discounts, teen safety rewards, accident prevention training, anti-theft, anti-lock brakes, and multi-car.
• AAA policyholders can earn discounts including pay-in-full, anti-theft, good driver, AAA membership discount, and multi-policy.

Before purchasing a policy, check with all companies you are considering what discounts are available to you. A few discounts may not apply to policyholders in your area. To see a list of companies with the best discounts, click here to view.

What is the best auto insurance coverage?

When choosing coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

• Does car insurance cover theft of personal property?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my custom paint covered by insurance?
• Does liability extend to a camper or trailer?
• What is medical payments coverage?
• Do I have coverage if my license is suspended?
• Should I buy full coverage?
• Is business property covered if stolen from my car?
• What is covered by UM/UIM coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like EMT expenses, nursing services, chiropractic care, funeral costs and surgery. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance covers damage to your H2 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, fire damage, theft, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2009 HUMMER H2.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

This can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, attorney fees, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Buy Smart and Save

People switch companies for a number of reasons such as denial of a claim, questionable increases in premium, lack of trust in their agent and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Budget-friendly insurance coverage is possible from both online companies as well as from insurance agents, so you need to quote car insurance with both to have the best selection. Some companies may not provide internet price quotes and usually these regional insurance providers only sell through independent insurance agencies.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

More detailed insurance coverage information is located in the articles below:

• Property Damage Coverage (Liberty Mutual)
• Understanding Limits and Deductibles (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)