2010 HUMMER H3 Insurance Quotes – 10 Tips for Cheapest Rates

Searching for better insurance coverage rates for your HUMMER H3? Locating the lowest cost insurance coverage on the internet can seem to be rather challenging for comparing prices online. Because there are so many insurance companies available, how can drivers be able to compare them all to find the best available rates?

More discounts mean affordable premiums

Companies offering auto insurance don’t always list every discount they offer very well, so the list below gives a summary of some of the more common and the more hidden credits that may apply to you.

  • Discounts for Good Drivers – Safe drivers can save as much as half off their rates on H3 coverage compared to rates paid by drivers with frequent claims.
  • Low Miles Discount – Low mileage vehicles can qualify you for slightly better prices than normal.
  • Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote when compared with drivers with a long claim history.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a break if you buy a life policy as well.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Discount for Home Ownership – Simply owning a home may trigger a policy discount on insurance coverage since home ownership means you have a higher level of financial diligence.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can avoid the installment charge.

You should keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that may include these discounts possibly include:

Before you buy a policy, ask each company which discounts can lower your rates. Discounts might not apply in your area. For a list of insurance companies who offer insurance coverage discounts, click this link.

Free auto insurance rate quotes

When comparison shopping, there are several ways to compare rate quotes from auto insurance companies in your area. The recommended way to compare 2010 HUMMER H3 insurance prices is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This quick form keeps you from doing separate quotation requests for each company. One form submission will get you price quotes instantly. Just one form and you’re done.
  2. Another way to compare prices is spending the time to visit the website of each company and repeat the quote process. For sake of this example, let’s assume you want to get rates from Auto-Owners, Geico and Progressive. To get each rate you have to take the time to go to each site to input your insurance information, which is why first method is reommended.

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

  3. The least recommended method to comparison shop is physically going to different agent offices. Buying insurance online can eliminate the need for a local agent unless you’re the type of person who wants the advice and guidance that can only be provided by a licensed insurance agent. You can, however, compare online quotes but have a local agent actually write the policy.

Whichever method you choose, do your best to use the same coverage information for every company. If you compare different liability limits it will be impossible to get a fair rate comparison. Slightly different insurance coverages or limits may cause a big price difference. It’s important to know that comparing all the rates in your area increases your odds of finding lower pricing.

It’s not one size fits all

When it comes to choosing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you might need professional guidance.

  • Are my friends covered when driving my 2010 HUMMER H3?
  • What can I do if my company won’t pay a claim?
  • What is high-risk coverage and where do I buy it?
  • Should I carry comprehensive and collision coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to Mexico or Canada?
  • Do I need roadside assistance coverage?
  • Am I covered if I hit a deer?
  • What are the financial responsibility laws in my state?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like rehabilitation expenses, hospital visits and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your H3 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, crashing into a building, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your HUMMER H3.

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

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, fire damage and hitting a deer. The maximum amount 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 it’s not worth carrying full coverage.

Liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, attorney fees, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Power to the consumer

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and even questionable increases in premium. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

When searching for affordable insurance quotes, do not reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost.

Budget-friendly car insurance is definitely available on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and many times these smaller providers prefer to sell through independent agents.

More tips and info about car insurance can be read by following these links:

Comments About 2010 HUMMER H3 Insurance

  1. Kiara Foley

    If you have a good history and are close to Huntington, WV, check out Allstate. They seem to be cheaper. You can get a rate quote online.

  2. Marylynn Brady

    Progressive is decent in Rutland, Vermont.

  3. Shanda Kerr

    Not sure if this is cheap. Got a quote with Progressive for my 2010 HUMMER H3 and saved about $530 a year. I got prices on the web.

  4. Deena Best

    21st Century has the cheapest rates in Alabama. No comparison.

  5. Jannette Pickett

    Hope my rates come down. I live on the west side of Worcester, MA. I don’t recall every quote but I ended up saving about $40 each month.

  6. Suk Meyers

    I found pretty cheap rate quotes for a 2010 HUMMER H3 in Nashua, NH. Ended up at right around $340 every six months with Auto-Owners.

  7. Trevor Valenzuela

    Cheapest quote for my 2010 HUMMER H3 was with Erie. Left Liberty Mutual to switch. They have a lot of discounts available.

  8. Lauretta Velez

    Liked the article. From northwest of Baltimore, MD. Compared quite a few companies. Saved right around $50 a month. Allstate was the best choice for me. Good savings if you bundle.

  9. Johnie Kaufman

    I got quite a few price quotes for a 2010 HUMMER H3 in Omaha, Nebraska. Ended up at darn near $200 every six months with AIG Insurance. Was with Western Auto Insurance. I have a couple other vehicles on the policy. They offer free online rate quotes.

  10. Nicole Bauer

    Allstate is cheapest in New Hampshire! :)

  11. Ava Nicholson

    Will 21st Century raise rates if I file a claim?

  12. Teofila Holman

    Will State Farm cancel me if I have an accident?

  13. Malena Santana

    Affordable car insurance is a myth. Located in Greensboro, NC. Compared rates from a lot of places. Saved about $60 a month. 21st Century was the best choice for me. Left Auto-Owners to switch. I get a discount for insuring multiple vehicles.

  14. Lorri Newman

    I live on the south side of New Orleans, Louisiana. Got car insurance rates from USAA, Amica, Hartford, and Nationwide for my HUMMER and I’m now saving $26 a month. I’m a pretty good driver though.

  15. Fernando Guerra

    It all costs too much. Checking in from Seattle, Washington. Got quotes with American Family, Esurance, and Nationwide for my HUMMER and I think I saved about $70 each month. I have several vehicles insured with them. I got a quote from their website.

  16. Toby Garza

    Good detail in your article. I live south of Hilo, HI. Received prices from Allstate, GMAC, and Esurance for my 2010 HUMMER H3 and saved just over $200 a year. Insured with GEICO before. Not sure if rates are cheaper online or not.

  17. Leona Gilliam

    Anyone compare GEICO and Allstate rates in Chesapeake, Virginia?

  18. Jaleesa Cunningham

    I compared a lot of rate quotes for a 2010 HUMMER H3 in Knoxville, Tennessee. Ended up at about $100 every six months with Auto-Owners. Left USAA to switch. A clean driving record helps. They were helpful in switching over.