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HUMMER H1 Insurance Rates

You have lots of choices when comparing insurance rates on your HUMMER vehicle. You can either buy through an insurance agent or price shop online to compare rates from insurance providers. Shopping for car insurance by comparing rates online is simple to do and at the same time you may find lower rates.

Comparing car insurance rates direct online is challenging if you have never used online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. One of the best ways to compare HUMMER H1 insurance cost consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

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What influences the rate you pay?

Insurance premiums for your HUMMER H1 will vary greatly subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new HUMMER models so the payout to repair can decrease annual premiums. Conversely, more recent HUMMER vehicles have more advanced features such as forward-collision avoidance, adaptive cruise control, and active head restraints so those may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your H1 from available model years below.

Auto liability insurance - HUMMER H1 liability coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your HUMMER resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are HUMMER H1 Insurance Rates?