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2004 HUMMER H1 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Consumers have many options when looking for the best price on HUMMER H1 insurance. They can either spend hours contacting agents to compare prices or utilize the internet to compare rates. There are more efficient ways to compare insurance coverage rates so you’re going to learn the quickest way to get price quotes on a HUMMER and obtain the lowest price from both online companies and local agents.

Get lower rates on HUMMER H1 insurance

Car insurance companies do not list all available discounts in a way that’s easy to find, so here is a list both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing online.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% on H1 insurance.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

As a disclaimer on discounts, most discounts do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

Insurance companies that may offer these benefits are:

Check with every prospective company which discounts you may be entitled to. Savings may not apply in your area.

Pieces of the HUMMER H1 insurance rate puzzle

Consumers need to have an understanding of the different types of things that help determine your insurance coverage rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in better insurance coverage rates.

The following are a partial list of the pieces companies use to determine premiums.

  • More claims means more premium – If you frequently file small claims, you can definitely plan on higher rates. Companies give better rates to people who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying when buying insurance coverage. Coverages like rental car reimbursement, accidental death and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • Where you live can impact rates – Being located in a rural area is a positive aspect when it comes to insurance coverage. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident.
  • Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your insurance coverage declarations sheet properly reflects the correct usage for each vehicle. Incorrect usage on your H1 can cost quite a bit.
  • Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Both sexes are in accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • Younger drivers pay higher rates – Youthful drivers have a tendency to be less responsible behind the wheel so they pay higher insurance coverage rates. Adding a teenage driver onto a policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might point out if you would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • Does my policy cover me when driving someone else’s vehicle?
  • What are the best liability limits?
  • Is my nanny covered when driving my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • When should my teen driver be added to my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Why do I only qualify for high-risk insurance?

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If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Save $480 a year? Really?

Consumers constantly see and hear ads for car insurance savings from companies such as State Farm and Allstate. They all seem to make the same claim that you’ll save big after switching your policy.

How do they all make the same claim?

Insurance companies can use profiling for the driver that makes them money. For instance, a preferred risk could be between the ages of 30 and 50, a clean driving record, and has excellent credit. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who don’t measure up to this ideal profile must pay more money and ends up with business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save money. That’s the way companies can make those claims. This illustrates why drivers should compare as many rates as you can. It’s impossible to know which company will give you the biggest savings on HUMMER H1 insurance.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills for funeral costs, chiropractic care, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability – Liability coverage can cover injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical expenses, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision – This coverage pays for damage to your H1 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your HUMMER H1.

Because many people 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 is a good idea.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, hitting a bird, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t be a big spender

You just read some good ideas how you can shop for 2004 HUMMER H1 insurance online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies.

Consumers change insurance companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, lack of trust in their agent or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

Cheaper insurance can be found online and with local insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Additional car insurance information can be read at the links below

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