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HUMMER H1 Insurance Rates

Drivers have lots of options when buying insurance for your HUMMER vehicle. You can either buy through a local agent or get quotes online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes saves time, is easy to do, plus you might just save a little.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The recommended way to find competitive HUMMER H1 insurance cost is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these factors

Auto insurance rates on a HUMMER H1 will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your age
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Your coverage level
  • Home ownership saves money

A final factor which can affect HUMMER H1 insurance rates is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, newer models may have a trim level with safety features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors so those may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your H1 from the list below.

Auto liability - This protects you from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - This pays for damage to your HUMMER resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your HUMMER H1 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper HUMMER H1 insurance rates.

Comprehensive auto coverage - This coverage pays to fix your vehicle from 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 H1 comprehensive insurance. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are HUMMER H1 Insurance Rates?