2008 HUMMER H2 Car Insurance Cost

Searching for better insurance coverage rates? Consumers have lots of choices when looking for affordable HUMMER H2 insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to buy insurance coverage so you’re going to learn the proper way to get price quotes on a HUMMER and locate the lowest possible price from both online companies and local agents.

Where can I get the cheapest car insurance?

Finding cheaper car insurance quotes is not rocket science. Just spend a few minutes on the computer getting comparison quotes provided by online insurance companies. Rate comparisons can be done by following the guidelines below.

The single most time-saving way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form eliminates the need for separate quote forms for every car insurance company. One simple form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.

A different way to analyze rates requires visiting the website of each company and request a quote. For examples sake, let’s say you want rates from Progressive, Geico and Farmers. You would have to take the time to go to each site to enter your coverage information, which is why first method is reommended.

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

Take whichever approach you prefer, but make sure you are using nearly identical information for each quote you get. If you are comparing mixed coverages it will be impossible to make an equal comparison.

Get lower-cost auto insurance with discounts

Car insurance is not cheap, but you might find some hidden discounts to reduce the price significantly. Some trigger automatically when you purchase, but lesser-known reductions have to be asked for prior to getting the savings.

  • Cautious Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on H2 insurance than drivers with accidents.
  • Anti-lock Brakes – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.
  • Defensive Driver Discount – Successfully completing a driver safety course is a good idea and can lower rates depending on where you live.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, it’s just not the way it works. But all discounts will cut the cost of your policy.

Some of the insurance companies that may offer these benefits include:

When getting a coverage quote, ask every insurance company which discounts they offer. A few discounts may not apply to policies in your area. To locate providers with discount rates, click here.

Choices you make can impact your insurance prices

Many things are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, but some are more obscure like your continuous coverage or how safe your car is.

  • Premiums and occupation – Jobs such as fire fighterspolice officers and stock brokers tend to pay higher average rates attributed to intense work-related stress and long work days. On the flip side, careers like actors, students and the unemployed receive lower rates on H2 insurance.
  • Small frequent insurance claims are not good – Companies provide better rates to people who file claims infrequently. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Marriage is a good thing – Having a spouse may earn you lower rates on your insurance bill. It means you’re more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Is auto insurance cheaper for women or men? – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Males and females get in fender benders at about the same rate, but men get into accidents with more damage. Men also get more serious tickets like reckless driving and DUI. Young men ages 16 to 20 generally have the highest accident percentage and thus pay the highest rates.
  • Bump up coverage deductibles to lower rates – The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The more money you pay before a claim is paid (deductible), the bigger discount you will receive on H2 insurance.
  • Bad credit will cost you – Credit score is a large factor in calculating your premium rate. Insureds with high credit ratings tend to be more responsible than drivers with lower credit scores. If your credit rating can be improved, you may save money insuring your 2008 HUMMER H2 by improving your rating.
  • Urban areas may pay more – Being located in less populated areas of the country may provide you with better prices when buying insurance. Drivers in populated areas regularly have more traffic problems and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates.
  • How many coverages with the same company – The majority of insurance companies will give a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to check prices from other companies to help ensure you have the lowest rates. It’s possible to still find lower rates by insuring with multiple companies.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you might need professional guidance.

  • Should I carry comprehensive and collision coverage?
  • Should I get collision insurance on every vehicle?
  • When does my teenage driver need to be added to my policy?
  • Is my custom paint covered by insurance?
  • Will my insurance pay for OEM parts?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Specifics of your auto insurance policy

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This covers damage to your H2 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your HUMMER H2.

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. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – This coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like loss of income, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, doctor visits, pain medications, nursing services and prosthetic devices. 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 not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

At the end of the day…

The cheapest 2008 HUMMER H2 insurance is definitely available from both online companies as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not provide rates over the internet and these smaller companies only sell coverage through local independent agents.

In this article, we covered a lot of information how to save on 2008 HUMMER H2 insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced insurance comes from a lesser-known regional company.

As you quote insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

More detailed insurance information is available by following these links:

Comments About 2008 HUMMER H2 Insurance

  1. Deidre Boyle

    Compared auto insurance prices with Allstate and GEICO but still not cheap enough.

  2. Dolores Alvarado

    Hope my rates come down. Live in the western part of Des Moines, IA. Can’t remember who all I quoted but I ended up saving about $50 each month. Left Western Auto Insurance to switch. I used their website to get prices.

  3. Emeline Chang

    I live in Nampa, ID. Got car insurance prices from Allstate, American Family, Erie, and The General for my HUMMER and saved just over $400 a year. I’m a pretty good driver though.

  4. Junie Carney

    Hope my rates come down. Got a quote with Liberty Mutual for my 2008 HUMMER H2 and am saving around $330 a year. Not sure if rates are cheaper online or not.

  5. Cristin Nunez

    Liked the article. I live just outside Norman, Oklahoma. Checked online prices for a 2008 HUMMER H2. Ended up at about $510 savings annually. Went with Allstate. Thankfully I’m not a high risk driver. You can get a rate quote online.

  6. Stephenie Hunter

    I’m in Henderson, NV, and Allstate rates were best.

  7. Shani Conway

    I’ve insured with 21st Century for a long time. Pretty cheap in Biloxi, MS.

  8. Ayesha Mcpherson

    Cheap is relative. I live in a small town just outside of Pittsburgh, Pennsylvania. I got free rates from Auto-Owners, Safeco, and Travelers for my HUMMER and I think I am saving around $30 each month. My new agent seems to be really good.

  9. Carita Carson

    If you have a good history and are close to Owensboro, KY, check out Progressive. They seem to be cheaper. I think they have home insurance too. I used their website to get prices.

  10. Teddy Padilla

    When do I drop full coverage?