Compare 2003 HUMMER H2 Car Insurance Quotes

Are you tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as most other car owners. Popular companies such as Geico and Progressive promote their brand names with fancy advertisements and consumers find it hard to see through the deception and take the time to shop coverage around.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to get lower rates while maintaining coverages. Buying car insurance is quite easy. Vehicle owners just need to understand the proper way to compare price quotes over the internet.

Free Quotes for Insurance

Getting a cheaper price on 2003 HUMMER H2 insurance can be relatively painless. Drivers just need to spend a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

Probably the best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. Just one form will get you price quotes from multiple companies.
A slightly less efficient method to obtain and compare quotes online consists of going to each company website and fill out their own quote form. For instance, let’s say you want rates from Geico, 21st Century and Liberty Mutual. You would have to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles with every price quote. If the quotes have different deductibles it will be impossible to decipher which rate is best.

Discounts are basically free money

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Some discounts apply automatically when you complete an application, but a few need to be specially asked for before they will apply. If you’re not getting every credit you deserve, you’re paying more than you need to.

Club Memberships – Belonging to a qualifying organization may earn a discount when shopping for insurance coverage for H2 coverage.
Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
Own a Home – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for H2 coverage than drivers with accident claims.
Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

For a list of insurance companies with the best insurance coverage discounts, click here.

Which insurance is the “right” coverage?

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining if you would benefit from professional advice.

How much can I save by bundling my policies?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Am I covered if I hit a deer?
Does coverage extend to Mexico or Canada?
Do I need higher collision deductibles?
How much liability insurance is required?
What is UM/UIM insurance?
Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Collision coverage

This coverage covers damage to your H2 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, pain medications and hospital visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This provides protection from damage or injury you incur to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, attorney fees, medical expenses, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your HUMMER H2.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.