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HUMMER H1 Alpha 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: Feb 2, 2020

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Comparing auto insurance by comparing rates online can be fast and easy and at the same time you can save money. The most important part is to compare as many rate quotes as possible in order to have the lowest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Lowering your HUMMER H1 Alpha insurance rates can be quick and easy. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence the rate you pay?

Car insurance premiums for a HUMMER H1 Alpha will vary greatly depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your claim history
  • No coverage lapses saves money
  • Whether you rent or own your home

An additional factor that can impact HUMMER H1 Alpha insurance cost is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them will push premiums up. Conversely, more recent H1 Alpha vehicles may have safety features such as a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your H1 Alpha caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. HUMMER H1 Alpha collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

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