2003 HUMMER H1 Insurance Quotes – 7 Discounts for Cheaper Rates

Sick and tired of scraping the payment together to insure your HUMMER every month? You’re in the same situation as millions of other consumers.

Numerous car insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate possible.

You should make it a habit to do rate comparisons before your policy renews because prices are usually higher with each renewal. Just because you had the lowest rates on H1 insurance last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers do need to learn the way companies price online insurance and take advantage of how the system works.

Save on 2003 HUMMER H1 insurance

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be inquired about before they will apply.

  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on H1 insurance than drivers with accidents.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Club Memberships – Belonging to certain professional organizations may earn a discount when shopping for insurance on H1 insurance.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Homeowners Discount – Owning a home can help you save on insurance because owning a home shows financial diligence.
  • Fewer Miles Equal More Savings – Keeping the miles down on your HUMMER could qualify for discounted rates on garaged vehicles.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut the cost of coverage.

A partial list of companies that may offer these discounts 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 every state.

How to Lower Your Auto Insurance Cost

There are a lot of ways you can shop for auto insurance but some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use the internet for quick rates.

Many popular insurance companies take part in a program where prospective buyers enter their policy data once, and every company provides a quote. This eliminates the need for quote requests for each company.

To compare pricing click here (opens in new window).

The only downside to comparing rates this way is that you can’t choose which providers you want pricing from. If you wish to select specific providers to compare, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage information on every quote you get. If you compare unequal deductibles or liability limits you will not be able to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. Keep in mind that having more price comparisons will increase your chances of finding a better price.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover tools stolen from my truck?
  • If my 2003 HUMMER H1 is totaled, can I afford another vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I make deliveries for my home business?
  • Is extra glass coverage worth it?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • Is my HUMMER H1 covered if I use it for business?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your HUMMER H1.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This coverage will pay to fix damage to your H1 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, backing into a parked car, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, a tree branch falling on your vehicle, a broken windshield, vandalism and rock chips in glass. The most 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.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your 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

Coverage for liability – This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, repair costs for stationary objects, pain and suffering and court costs. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Have money to burn

Cost effective 2003 HUMMER H1 insurance can be found online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price.

More information