Vehicles > HUMMER > H2

HUMMER H2 Insurance Cost

Finding cheaper car insurance from online companies can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from as many companies as possible in order to have all possible prices.

If you are a novice to online car insurance shopping, you may be confused by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way by far to compare HUMMER H2 insurance rates is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your HUMMER H2 will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new HUMMER models so the payout to repair may result in lower rates. But newer vehicles have more advanced features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage

This coverage can cover injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision protection

This covers damage to your HUMMER resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.

How Much are HUMMER H2 Insurance Rates?