2002 HUMMER H1 Insurance Quotes – 8 Policy Discounts

Trying to find better car insurance rates for your HUMMER H1? Paying for overpriced HUMMER H1 insurance can eat up your checking account and force you to make sacrifices.

Because there are so many companies to choose from, it can be hard to choose the lowest price company.

The quickest way to compare car insurance rates is to understand auto insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like an estimate of your credit level, how old drivers are, if a SR-22 is needed, and if it has an anti-theft system. The data is then submitted to multiple auto insurance providers and they return cost estimate very quickly.

Cut your auto insurance rates with these eight discounts

Auto insurance is not an enjoyable expense, but companies offer discounts that can drop the cost substantially. Certain reductions will be credited at the time you complete a quote, but some must be inquired about prior to getting the savings.

• Paper-free Discount – Some of the larger companies will give a small break get car insurance digitally online.
• Own a Home – Just being a homeowner can save you money because owning a home demonstrates responsibility.
• ABS Braking Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
• Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Policy Bundle Discount – When you have multiple policies and place coverage with the same company you may earn at least 10% off all policies.
• Defensive Driver Discount – Taking a defensive driver course can save you 5% or more and easily pay for the cost of the class.
• Buy New and Save – Buying a new car model is cheaper because new model year vehicles have to meet stringent safety requirements.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount should help lower your premiums.

Car insurance companies that may include these discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

When quoting, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in every state. To locate auto insurance companies that offer many of these discounts, click here.

You are unique and your car insurance should be too

When buying the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• Am I covered if hit by an uninsured driver?
• Do I get a pro-rated refund if I cancel my policy early?
• Exactly who is provided coverage by my policy?
• When can my company non-renew my policy?
• Should I buy only the required minimum liability coverage?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your HUMMER H1.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like surgery, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hail damage, hitting a deer and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This coverage pays for damage to your H1 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

In conclusion

We’ve covered a lot of techniques to save on 2002 HUMMER H1 insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding the cheapest car insurance. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

When getting car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible for the lowest cost.

Helpful information

• Collision Insurance Coverage (Nationwide)
• Speed and Speed Limit FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)