View 2001 HUMMER H1 Car Insurance Quotes

Searching for lower insurance coverage rates for your HUMMER H1? Perplexed by the dozens of insurance coverage companies? You’re not alone. Consumers have so many choices that it can quickly become a big hassle to find the best price.

Compare Insurance Coverage Today

All major insurance coverage companies give coverage prices directly from their websites. This process is quite easy as you simply type in your coverage information as detailed in the form. After you submit the form their system pulls credit information and your driving record and generates pricing information based on many factors.

Online quotes makes comparing rates easy, but having to visit many different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible in order to get a better rate.

Rate comparisons made easy

A quicker way to get multiple rate quotes requires only one form that gets prices from many companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the quotes that you receive.

If you find a better price you simply finish the application and purchase the new policy. This process takes less than 15 minutes and can result in significant savings.

To use this form to compare rates, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter your coverages as close as possible to your current policy. This way, you will get a price comparison for the exact same coverage.

Save 15 percent in 15 minutes? Is it for real?

Insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim that you’ll save big if you switch your coverage to them. How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don’t meet this ideal profile must pay higher prices which leads to the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. This is how companies can truthfully advertise the savings.

This illustrates why you should get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest HUMMER H1 insurance rates.

Do you qualify for a discount?

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you get a quote, but less common discounts must be asked about prior to getting the savings.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Sign Online – Some insurance companies will give a small break just for signing your application digitally online.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the cost of coverage.

A partial list of companies who might offer these money-saving discounts include:

Check with each company how you can save money. Discounts might not be offered in your area.

What coverages do I need?

When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can help discover whether or not you will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • What are the financial responsibility laws in my state?
  • Will filing a claim cost me more?
  • How do I buy GAP insurance?
  • Am I covered if I break a side mirror?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your HUMMER H1.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverages – This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, emergency aid, medical services, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays for damage to your H1 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, hospital visits and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage, rock chips in glass, theft and falling objects. The maximum payout 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 probably time to drop comprehensive insurance.

Knowledge is power

Budget-conscious 2001 HUMMER H1 insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Drivers switch companies for a variety of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests and even extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance companies is actually quite simple.

We covered many ways to shop for insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the smallest insurance companies.

Additional articles