2005 HUMMER H2 Insurance Cost – 10 Tips for Best Prices

Trying to find the cheapest insurance for a HUMMER H2 can normally be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for your HUMMER and get the cheapest rates from both online companies and local agents.

It’s important to take a look at other company’s rates every six months because auto insurance prices change quite often. Even if you think you had the lowest rates for H2 insurance at your last renewal you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

How to buy car insurance online

Getting cheap 2005 HUMMER H2 car insurance pricing is not a difficult process. The only requirement is to invest a little time comparing price quotes to see which company has low cost car insurance quotes. This can easily be done by using one of the methods below.

1. If you are pressed for time, the simplest way to get quotes is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do separate quote forms for every company. Just one form will return price quotes from all major companies. Recommended for those who want to invest the least amount of time.
2. A slightly less efficient method to obtain and compare quotes online is to manually visit the website of each company and complete a new quote form. For examples sake, let’s assume you are doing a rate comparison from Farmers, Allstate and State Farm. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, which can get old fast.

   For a list of links to companies insuring cars in your area, click here.

3. The final method to get price estimates is driving around to different agent offices. The fact that you can get quotes online has made agencies unnecessary unless you prefer the extra assistance only provided by licensed agents. Some companies do allow you to find lower rates online but have your policy serviced through an agent.

Whichever way you use, make darn sure you compare nearly identical information for every company. If your comparisons have unequal deductibles or liability limits it’s impossible to make a fair comparison for your HUMMER H2.

You may qualify for discounts

Some providers don’t necessarily list every discount very clearly, so the following list contains a few of the more well known as well as some of the hidden credits available to bring down your rates. If you are not receiving all the discounts available, it’s possible you qualify for a lower rate.

• Early Signing – A few insurance coverage companies offer discounts for buying a policy before your current coverage expires. It could save around 10% when you buy car insurance online.
• Defensive Driver – Completing a safe driver class could save 5% or more and easily recoup the cost of the course.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Senior Citizen Discount – Drivers over the age of 55 are able to get a small discount on rates for H2 insurance.
• Multiple Policy Discount – If you have multiple policies with one company you could save up to 20% off your total premium.
• Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will save you 10% or more.
• Distant Student – Children who are attending college without a vehicle on campus could qualify for this discount.
• Payment Method – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
• Claim Free – Claim-free drivers pay much less in comparison with frequent claim filers.
• Responsible Driver Discount – Insureds who avoid accidents may save up to 50% more for H2 insurance compared to rates paid by drivers with frequent claims.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will definitely lower your policy premium.

Popular insurance coverage companies and some of their more popular discounts can be found below.

• State Farm discounts include good driver, Drive Safe & Save, anti-theft, good student, safe vehicle, and accident-free.
• Farmers Insurance offers discounts for electronic funds transfer, youthful driver, switch companies, teen driver, and multi-car.
• Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, good student, online signing, and online quote discount.
• Geico may include discounts for federal employee, daytime running lights, good student, anti-theft, driver training, and air bags.
• Auto-Owners Insurance has savings for student away at school, air bags, paid in full, teen driver, and multiple vehicles.
• The Hartford may have discounts that include bundle, vehicle fuel type, defensive driver, driver training, air bag, good student, and anti-theft.
• Farm Bureau has discounts for renewal discount, multi-vehicle, youthful driver, driver training, and good student.
• USAA offers discounts including new vehicle, defensive driver, driver training, annual mileage, multi-vehicle, multi-policy, and safe driver.

When comparing rates, check with every company what discounts are available to you. Some discounts may not be available in your area. To locate companies with the best discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When choosing the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if you could use an agent’s help.

• Am I covered when driving someone else’s vehicle?
• Is my 2005 HUMMER H2 covered for flood damage?
• If my pet gets injured in an accident are they covered?
• What is covered by UM/UIM coverage?
• Can I rent a car in Mexico?
• Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, funeral costs, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, damage from a tornado or hurricane, theft and hitting a bird. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This will cover injuries or damage you cause to other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as attorney fees, legal defense fees, medical services, loss of income and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your H2 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, rolling your car, hitting a parking meter, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.