2008 HUMMER H2 Insurance Cost – 6 Ideas for Best Prices

Looking for lower car insurance rates for your HUMMER H2? Have you fallen victim to overpriced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

It’s a good idea to take a look at other company’s rates before your policy renews due to the fact that insurance rates go up and down regularly. If you had the best rates for H2 coverage two years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.

If you currently have car insurance, you should be able to cut costs considerably using these tips. Buying car insurance is not rocket science. But car owners can benefit by having an understanding of the methods companies use to market insurance on the web because it can help you find the best coverage.

Automobile Insurance Quotes

There are a lot of ways to compare insurance prices but one way is less labor-intensive and much quicker. You could waste time driving to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many popular insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and every company can provide price quotes determined by their information. This system prevents you from having to do quotation requests to every company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to getting quotes like this is that you can’t choose the companies you want pricing from. So if you want to select from a list of companies to compare, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare identical coverage limits and deductibles for every quote you compare. If the quotes have higher or lower deductibles it will be impossible to truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when quoting insurance, remember that getting more free quotes helps you find lower pricing.

Cut prices on 2008 HUMMER H2 insurance

Companies that sell car insurance don’t necessarily list all their discounts very well, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Defensive Driving Course – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for H2 coverage than their less cautious counterparts.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • E-sign – Some insurance companies will give a small break for buying your policy online.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether or not you could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • Where can I find high-risk insurance?
  • When can I cancel my policy?
  • Is my cargo covered for damage or theft?
  • When does my teenage driver need to be added to my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Switch companies and save? Really?

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads say the same thing that you’ll save big if you change your policy. How can each company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver who matches those parameters receives the best rates and therefore will save when they switch companies.

Potential insureds who don’t meet the requirements will be charged more money which usually ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save money. That’s why companies can truthfully claim big savings. That is why you absolutely need to get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings on HUMMER H2 insurance.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Liability car insurance

This can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird, theft, rock chips in glass and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills like surgery, EMT expenses and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

This covers damage to your H2 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2008 HUMMER H2.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Buy Smart and Save

We just showed you many ideas to lower your 2008 HUMMER H2 insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest premiums are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cost effective insurance can be sourced from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

Additional resources