2008 HUMMER H2 Car Insurance Rates

Trying to find better insurance rates for your HUMMER H2? Searching for better insurance prices for a new or used HUMMER H2 can be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for insurance so we’re going to tell you the proper way to get price quotes for a new or used HUMMER and locate the lowest possible price either online or from local insurance agents.

You should make it a habit to do rate comparisons once or twice a year since rates are rarely the same from one policy term to another. If you had the best deal on H2 coverage a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest way to find great coverage at a great price.

Insurance Coverage Quote Comparison

All major insurance coverage companies such as GEICO, State Farm and Progressive quote price estimates on their websites. Getting online rates is fairly straightforward as you just enter your required coverages into a form. Upon sending the form, the company’s rating system will obtain credit information and your driving record and returns a price quote.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and complete many quote forms is monotonous and tiresome. But it’s very important to perform this step if you are searching for the best price possible.

Quote rates the easy way

A quicker way to lower your rates is to use a quote form to obtain quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more efficient. After sending the form, it is rated and you can choose any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and may result in a nice savings.

To compare rates using this form now, click here and fill out the form. If you have coverage now, it’s recommended you enter your coverages identical to your current policy. This ensures you’re receiving a fair comparison for exact coverage.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but a few must be asked for before you get the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more if you qualify.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

A partial list of companies that possibly offer these discounts include:

Check with each company how you can save money. Some discounts might not apply in every state.

What is the best insurance coverage?

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions might point out if you would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Am I better off with higher deductibles on my 2008 HUMMER H2?
  • Do I have newly-aquired coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I benefit by insuring my home with the same company?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your H2 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, rock chips in glass, damage from getting keyed, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your HUMMER H2.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Liability

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage on a shoestring budget

We covered a lot of information how to shop for 2008 HUMMER H2 insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from an unexpected company.

Discount insurance can be sourced online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as poor customer service, being labeled a high risk driver, denial of a claim and high prices. Regardless of your reason, choosing a new company is not as difficult as it may seem.

Additional insurance information can be read on the following sites: