Cut your Hummer H3 Insurance Rates in Five Minutes
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You probably feel the same way when trying to find cheaper coverage for your Hummer H3.
Step One: Compare Multiple Rate Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the NEW way to buy car insurance!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Hummer H3 without even visiting their websites!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your H3 is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your H3 for Less
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your H3 that will also lower the rate you pay irregardless of which company you choose.
- Since your vehicle is higher performance than average, you can expect to pay a little more for coverage. To keep your costs lower, you may consider trading for a lower performance vehicle that has more moderate rates.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Since SUV's like the H3 generally have a larger power train, they cost a little more to insure.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- If you're a young driver, you will pay more to insure a H3. There isn't anything you can do about your age, but rates will drop as you mature.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Purchase a New Policy
Once you have compared identical rate quotes for your H3 and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If the Hummer H3 is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Your existing car insurance policy will give you some coverage if you buy a new or used H3, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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