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HUMMER H2 Insurance Rates

There are many options when comparing insurance rates on your HUMMER vehicle. You can either buy through your neighborhood insurance agent or get quotes online to compare insurance costs of multiple insurance companies. Finding cheaper auto insurance on the web saves time, is easy to do and there is a good chance you will probably save money.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quotes. Don't let that stop you because there is an easy way to compare rates. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates for your HUMMER H2 can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Being married may save money
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

One last important factor which can affect the rate you pay on your HUMMER is the year of manufacture. Models that are new have a higher actual cash value so the costs to repair can inflate annual premiums. But more recent HUMMER vehicles may have options including a telematics system, lane departure warning system, and tire pressure monitors which can help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your H2 below.

Liability car insurance - This will cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverages - This will pay to fix damage to your HUMMER resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.

How Much are HUMMER H2 Insurance Rates?