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HUMMER H3 Insurance Rates

There are many options when insurance shopping for your HUMMER vehicle. You can either buy through an insurance agent or get quotes online to compare pricing from a lot of car insurance companies. Finding cheaper car insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quoting. But relax because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The easiest way to find the lowest HUMMER H3 insurance cost is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance premiums paid to insure a HUMMER H3 can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Your age
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new HUMMER models so the costs to repair may end up costing you less. On the flip side, newer models have more advanced features like a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your H3 below.

Coverage for liability - This protects you from damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as high a limit as you can afford.

Collision - This pays for damage to your HUMMER from colliding with another car or object. 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 lower value vehicles. Another option is to increase the deductible to get cheaper HUMMER H3 insurance rates.

Comprehensive coverage (or Other than Collision) - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are HUMMER H3 Insurance Rates?