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HUMMER H2 Insurance Rates

Drivers have lots of options when trying to insure your HUMMER vehicle. You can either buy through a local agent or get quotes online to compare pricing from many different auto insurance companies. Buying auto insurance through online rate quotes saves time, is easy to do, plus you might just save a little.

Shopping online for auto insurance can be difficult if you are a beginner to online quoting. But relax because comparing prices is actually very simple. Finding a lower price on HUMMER H2 insurance can be surprisingly simple. You just have to take a little time to get quotes online from several insurance companies. This can be accomplished by visiting this page.

Rates are impacted by the following

Auto insurance rates paid to insure a HUMMER H2 can fluctuate considerably and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Accidents raise premiums
  • Multiple policies can save money
  • How you use your vehicle
  • Your birth date
  • Being married can lower rates
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • No coverage lapses saves money
  • Home ownership saves money

A final factor that helps determine HUMMER H2 insurance rates is the model year. A newer vehicle cost more in comparison to later models so the costs to repair may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as lane departure warning system, a telematics system, and adaptive headlights which may provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your H2 from the list below.

Auto liability

This can cover damage or injury you incur to a person or their property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your HUMMER from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your HUMMER H2 comprehensive insurance. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are HUMMER H2 Insurance Rates?