HUMMER H3 Insurance Rates

Comparing auto insurance through online rate quotes is easy, plus you may find lower rates. The key is to compare rates from all companies so you can get every company's rates.

Beginners to buying insurance may think buying low-cost HUMMER H3 insurance is going to be difficult. Getting lower HUMMER H3 insurance cost can be surprisingly simple. The only thing you need to do is invest a little time to compare quotes from different insurance companies. This can be done by completing this short form.

Rates are determined by these things

Insurance premiums on a HUMMER H3 will vary greatly based upon several criteria. Including but not limited to:

Your driving record
Your credit history
Your location impacts rates
The number of annual miles
Male drivers pay higher rates
Low deductibles cost more
Crash test rating for your H3
Whether or not you have claims
Having continuous coverage saves you money
Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older HUMMER models so repair costs are higher which will push premiums up. Although new HUMMER models have more advanced features included like a backup camera, lane departure warning system, and traction control so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

Liability insurance provides protection from damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Coverage for collisions

This coverage 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 then insurance will cover the remainder. Collision coverage for your HUMMER H3 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper HUMMER H3 insurance quotes.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are HUMMER H3 Insurance Rates?