Compare 2006 HUMMER H2 SUT Car Insurance Cost

Want lower insurance coverage rates for your HUMMER H2 SUT? Are you regretting the purchase of an overpriced insurance coverage policy? Don’t feel bad because many drivers feel the same as you.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

How much does insurance cost?

There are several ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 2006 HUMMER H2 SUT insurance rates consists of shopping online. This can be accomplished in several different ways.

The most recommended method to get quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quote forms for each price estimate. In just a few minutes this one form will return price quotes from many national carriers.

A harder way to analyze rates is to take the time to go to the website for each individual company and fill out a new quote form. For sake of this example, let’s assume you want to view quotes from Geico, Farmers and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which can get rather old.

For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but be sure you’re using apples-to-apples coverage limits on every price quote you get. If you have mixed coverages it’s not possible to truly determine the lowest rate. Quoting even small variations in coverages may cause a big price difference. Just keep in mind that getting more free quotes increases your odds of finding the best offered rates.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • What is PIP insurance?
  • What are the best liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to buy high-risk coverage?
  • Is extra glass coverage worth it?
  • Are my friends covered when driving my 2006 HUMMER H2 SUT?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages explained

Knowing the specifics of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Liability – Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, pain and suffering, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, a tree branch falling on your vehicle, hitting a deer and damage from flooding. 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.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your HUMMER H2 SUT.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance pays for damage to your H2 SUT resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comments About 2006 HUMMER H2 SUT Insurance

  1. Mariah Walls

    I’m in the south part of Las Cruces, NM. Quoted a bunch of companies. Saved right around $60 a month. GEICO was the most affordable for me.

  2. Ginny Hull

    Good detail in your article. Located in Gaithersburg, Maryland. I don’t recall every quote but I ended up saving about $60 each month. Was with The General. I have several vehicles insured with them. They have free quotes online.

  3. Alta French

    Is 21st Century cheap in Biloxi, MS?

  4. Marquita Barker

    I think State Farm has low rates in Oregon. For me anyway.

  5. Shirl Sellers

    I live just to the east of Virginia Beach, VA, and Allstate rates were best. Get lots of quotes to find the best rate.

  6. Oliva Singleton

    It’s all a rip off. I’m in the south part of Norman, Oklahoma. Quoted quotes from GEICO, Amica, and Encompass for my HUMMER and saved about $330 a year. Left 21st Century to switch. Online quotes are the way to go.

  7. Marica Ellis

    Affordable car insurance is a myth. I live just to the south of Sioux Falls, South Dakota. Got car insurance quotes with Progressive, American Family, Encompass, and Liberty Mutual for my HUMMER and I think I cut my rates about $60 each month. Bought it from an online quote.

  8. Terry Bonner

    I’m in the west part of Great Falls, MT. Quoted quotes from Western Auto Insurance, AAA, The General, and Safeco for my 2006 HUMMER H2 SUT and cut my rates about $290 a year. I even had a DUI years ago. They offer free online rate quotes.

  9. Caroyln Drake

    Live in Juneau, Alaska. I compared lots of rates. Saved roughly $30 a month. State Farm was the most affordable for me. Insured with AIG Insurance before. I’m a pretty good driver though.

  10. Cristi Mann

    Does Allstate insure teenage drivers?

  11. Deandra Snider

    If you have a clean record and live in the vicinity of Columbia, South Carolina, check out GEICO. You might save some money. Just go online and compare their rates.

  12. Tran Cantrell

    I found affordable 2006 HUMMER H2 SUT insurance from Progressive in Nashua, NH.