2009 HUMMER H3 Insurance Cost – 10 Tricks for Cheapest Prices

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 9, 2020

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Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other drivers.

Many insurers compete to insure your vehicles, so it’s not easy to compare every insurer to find the lowest price

Consumers need to compare prices yearly since insurance rates tend to go up over time. If you had the best deal on H3 coverage a few years ago you may be paying too much now. So ignore everything you know about insurance coverage because you’re going to get a crash course in one of the best ways to find lower rates on insurance coverage.

Insurance Coverage Prices

There are multiple methods to compare 2009 HUMMER H3 insurance coverage quotes, but one way is easier and takes less work. You can waste hours talking to local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many insurance companies belong to an insurance system where insurance shoppers send in one quote, and each participating company then gives them pricing. This prevents consumers from doing quote forms for each company.

To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose the companies you will receive quotes from. If you would rather choose specific providers to receive pricing from, we have a page of insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles with each company. If you compare different liability limits you can’t possibly truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. Just remember that more quotes gives you a better chance of getting lower pricing.

When should I use an insurance agent?

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Am I covered if I crash into my own garage door?
  • How can I find cheaper teen driver insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my 2009 HUMMER H3 covered for flood damage?
  • Should I put collision coverage on all my vehicles?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specifics of your insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for nursing services, doctor visits, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, vandalism, damage from a tornado or hurricane, falling objects and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. 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 commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as attorney fees, repair costs for stationary objects, structural damage, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your H3 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Use our FREE quote tool to compare rates now!

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