2006 HUMMER H3 Insurance Quotes

Trying to find the cheapest insurance rates for your HUMMER H3? Tired of trying to scrape together enough money to insure your HUMMER every month? Your situation is no different than the majority of other car owners.

You have multiple insurers to choose from, and although it’s nice to have multiple companies, it can be more difficult to find the lowest rates.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Although vehicle owners should learn the methods companies use to market insurance on the web and use this information to your advantage.

Lesser-known factors impacting HUMMER H3 insurance rates

Smart consumers have a good feel for the rating factors that help determine the price you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

  • Marriage brings a discount – Getting married can actually save you money when buying insurance coverage. Marriage means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Where do you drive? – The higher the mileage driven each year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based on their usage. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Improper usage on your H3 may be wasting your money. Ask your agent if your insurance coverage declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Extra add-on coverages are wasting money – There are a lot of additional coverages that can waste your money on your H3 policy. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Rural vs Urban Areas – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more traffic problems and much longer commute distances. Higher commute times means more change of being in an accident.
  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can look forward to higher rates. Companies award lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your HUMMER H3 has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Your credit rating is important – Your credit score is a important factor in calculating your insurance coverage rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit is low, you could be paying less to insure your 2006 HUMMER H3 by repairing your credit.

Discounts on HUMMER H3 insurance

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so here is a list both well-publicized and the more hidden ways to save on auto insurance.

  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on H3 coverage depending on your company.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • Memberships – Participating in a qualifying organization may earn a discount when shopping for auto insurance on H3 coverage.
  • Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums on H3 coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

Car insurance companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts might not be offered in your state.

Save $493 a year. For real?

Car insurance companies such as Allstate and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you can save if you move your policy. But how can every company say the same thing?

Different companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured could possibly be a mature driver, owns a home, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” will get very good rates and as a result will probably save when switching.

Potential customers who are not a match for the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers should compare as many rates as you can. It is impossible to predict which company will provide you with the cheapest HUMMER H3 insurance rates.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving on a suspended license?
  • Where can I get insurance after a DUI in my state?
  • Do I need motorclub coverage?
  • Is rental equipment covered for theft or damage?
  • Why do I only qualify for high-risk insurance?
  • Can my teen drive my company car?
  • Is my cargo covered for damage or theft?
  • Who is covered by my policy?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverage breakdown

Having a good grasp of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2006 HUMMER H3.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

This provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as X-ray expenses, surgery, chiropractic care, EMT expenses and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability coverage limits only to discover later that they should have had better coverage. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We covered a lot of tips how to save on 2006 HUMMER H3 insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from the least-expected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

Additional detailed information is located by following these links: