2007 HUMMER H2 Car Insurance Quotes

Sick and tired of sacrificing to keep your car insured? You’re in the same situation as many other vehicle owners.

With so many insurance companies to choose from, it can be challenging to find a lower cost insurer.

It’s a great practice to do price comparisons periodically since insurance prices trend upward over time. Even if you got the best rate on H2 coverage six months ago you can probably find a better premium rate now. There is lot of inaccurate information about insurance on the internet, but I’m going to show you some of the best techniques to save money.

Decisions you make can impact your insurance rates

Lots of factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.An important part of buying insurance is that you know the rating factors that come into play when calculating insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

• Teenagers vs. mature drivers – Teenage drivers have been known to be inattentive when driving so they pay higher insurance rates. More mature drivers are more cautious drivers, tend to file fewer claims , and usually have better credit.
• Know your credit history – An insured’s credit history is likely to be a major factor in your rate calculation. Therefore, if your credit history can use some improvement, you may save money insuring your 2007 HUMMER H2 if you clean up your credit. People that have high credit scores tend to be more responsible than drivers who have bad credit.
• Tickets and citations cost more than a fine – Having a single speeding ticket may cause rates to rise to the point where it’s not affordable. Good drivers tend to pay less for car insurance than bad drivers. People who have careless violations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
• When should you file a insurance claims? – If you’re an insured who likes to file claims you should expect higher premiums or even policy non-renewal. Insurance companies award the best rates to people who file claims infrequently. Your insurance policy is designed for more catestrophic claims.
• Insurance rates and your employer – Occupations such as doctorspolice officers and dentists usually pay higher rates than average because of high stress and long work hours. On the other hand, careers such as farmers, engineers and homemakers receive lower rates on H2 coverage.
• Drive lots and pay more – The higher the miles on your HUMMER each year the higher the price you pay to insure it. Many insurance companies rate vehicles determined by how the vehicle is used. Cars that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated H2 may be costing you higher rates. It’s a smart idea to ensure your insurance policy reflects the correct usage for each vehicle.
• How much liability – Liability insurance will protect you if you are determined to be liable for causing personal injury or damage in an accident. It will provide legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You could waste time talking about coverages with insurance agencies in your area, or you could use online quotes to get prices fast.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote based on that data. This prevents consumers from doing quote requests to each individual insurance coverage company.

To compare rates using this form now click to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you prefer to choose from a list of companies to request quotes from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you use the exact same coverage limits and deductibles with each company. If you have different coverage information you can’t possibly make a fair rate comparison. Even a minor difference in coverage limits could skew the results. It’s important to know that comparing all the rates in your area increases the change that you will find more affordable rates. Not every company provides prices over the internet, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Insurance advertising tricks

State Farm and Allstate continually stream television and radio advertisements. All the companies say the same thing about savings if you move your coverage to them. How do they all give you a lower rate? It’s all in the wording.

Many companies provide the lowest rates for the type of driver that will be a good risk. An example of a desirable insured may need to be between 30 and 50, has few claims, and the vehicle is rated for pleasure use. Anyone who fits those characteristics is entitled to the best price and will probably cut their rates if they switch.

People who don’t meet the requirements will probably be forced to pay a higher premium with the end result being the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can make claims like that. That is why you really need to get price quotes at each policy renewal. It is impossible to predict which insurance company will provide you with the cheapest rates.

Take policy discounts and save

The price of auto insurance can be rather high, but you may qualify for discounts to help offset the cost. Many of these discounts will be applied automatically at quote time, but less common discounts must be asked about in order for you to get them.

• Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% on H2 coverage but check with your company.
• First Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide before hitting you with a surcharge if you have no claims before the accident.
• Bundle and Save – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
• Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance coverage quote on H2 coverage than their less cautious counterparts.
• Include Life Insurance and Save – Some auto insurance companies give a break if you buy life insurance from them.
• Good Grades Discount – Maintaining excellent grades may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• Driver Training Discounts – Successfully completing a defensive driving course can save you 5% or more and easily pay for the cost of the class.
• Discounts for Multiple Vehicles – Buying a policy with all your vehicles with one company could earn a price break for each car.

Policy discounts save money, but most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

A list of auto insurance companies and their offered discounts are:

• State Farm has discounts for accident-free, good student, multiple autos, Drive Safe & Save, anti-theft, and good driver.
• Geico may include discounts for multi-policy, membership and employees, five-year accident-free, multi-vehicle, anti-lock brakes, daytime running lights, and driver training.
• Progressive may offer discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, and online signing.
• 21st Century includes discounts for early bird, teen driver, defensive driver, driver training, student driver, and anti-lock brakes.
• American Family offers discounts for air bags, early bird, multi-vehicle, defensive driver, accident-free, good student, and mySafetyValet.
• The Hartford offers discounts including good student, defensive driver, vehicle fuel type, driver training, and air bag.
• AAA has savings for multi-car, education and occupation, AAA membership discount, good student, pay-in-full, and good driver.

It’s a good idea to ask each company which credits you are entitled to. Some of the discounts discussed earlier may not be offered in your state.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

• When should I not file a claim?
• Are my friends covered when driving my car?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my 2007 HUMMER H2 qualify for pleasure use?
• At what point should I drop full coverage?
• Do I have any recourse if my insurance company denies a claim?
• Why am I required to buy liability insurance?
• Why does it cost so much to insure a teen driver?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Coverage specifics

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills like pain medications, EMT expenses, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability

This can cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, loss of income, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, damage from flooding, fire damage and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your HUMMER H2.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This covers damage to your H2 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

The bottom line

Some insurance providers may not have online quoting and usually these small insurance companies provide coverage only through independent agents. Cheaper insurance coverage is possible both online and from local agencies, so you should be comparing quotes from both so you have a total pricing picture.

When searching for affordable insurance coverage quotes, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

To learn more, feel free to visit the articles below:

• Think You’re a Safe Driver? (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)