Having to pay for overpriced Hummer H1 insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to lower your monthly bill. You have multiple insurers to choose from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates.
Smart consumers take time to compare rates quite often because rates tend to go up over time. If you had the lowest price for H1 coverage a few years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because it’s time to teach you the proper way to find better rates and still maintain coverage.
The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Vehicle owners just need to understand the proper way to get comparison quotes online.
These discounts can slash car insurance rates
The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some trigger automatically when you get a quote, but less common discounts must be specially asked for prior to getting the savings. If you don’t get every credit possible, you’re just leaving money on the table.
- Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
- Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
- Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
- College Student – Children who are attending college without a vehicle on campus can receive lower rates.
- Claim Free – Claim-free drivers can earn big discounts when compared to bad drivers.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will reduce the amount you have to pay.
To see a list of providers offering car insurance discounts, follow this link.
Compare Car Insurance Today
Getting a lower price on Hummer H1 insurance doesn’t have to be difficult. Just spend a few minutes getting comparison quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.
- The single most time-saving way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do a different quote for every car insurance company. A single, simple form compares rates instantly.
- A less efficient way to find lower rates consists of visiting the website for each individual company and complete a new quote form. For instance, let’s assume you want to compare Progressive, 21st Century and Farmers. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
- The least efficient way to get comparison rates is driving around to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the professional guidance that only a license agent can provide. You can, however, comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.
It’s up to you how you get prices quotes, just ensure you’re using the exact same deductibles and coverage limits for each comparison quote. If you use mixed coverages it will be impossible to find the best deal for your Hummer H1.
It’s not one size fits all
When choosing coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.
- Are there companies who specialize in insuring high-risk drivers?
- Am I covered when driving someone else’s vehicle?
- When would I need additional glass coverage?
- Do I need roadside assistance coverage?
- Do I have coverage when making deliveries for my home business?
- Should I rate my Hummer H1 as pleasure use or commute?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my business laptop covered if it gets stolen from my vehicle?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.
More quotes mean more savings
Low-cost Hummer H1 insurance is available online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
