Compare 2006 HUMMER H1 Alpha Insurance Quotes

Drivers have lots of choices when trying to find the best price on HUMMER H1 Alpha insurance. They can either waste time driving around to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to price shop coverage for a new or used HUMMER and locate the best price possible from local insurance agents and online providers.

It’s a great practice to get comparison quotes on a regular basis because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price on H1 Alpha insurance a couple years back you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we’re going to show you the tricks you need to know to save on car insurance.

Free Quotes for Car Insurance

Finding a lower price on 2006 HUMMER H1 Alpha insurance can be surprisingly simple. Drivers just need to take a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. A single, simple form will return quotes from car insurance companies with the best prices. This is by far the quickest method.
  2. A slightly less efficient method to compare prices is going to the website of each company to complete a price quote. For example, we’ll assume you want to compare Nationwide, Geico and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The hardest method of comparing rate quotes is driving around to different agent offices. The internet eliminates the need for an insurance agent unless you require the trained guidance of a local agent. Drivers can find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

However you get your quotes, make darn sure you compare the exact same coverage information with every price quote. If you use higher or lower deductibles it will be impossible to truly determine the lowest rate.

HUMMER H1 Alpha rates are complex

It’s important that you understand the different types of things that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.

The list below includes a few of the “ingredients” companies use to determine prices.

  • Protect yourself with liability coverage – Your policy’s liability coverage is the coverage that protects you in the event that you are found liable for personal injury or accident damage. It will provide for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Do you need the policy add-ons? – There are a lot of additional coverages that you can get tricked into buying on your 2006 H1 Alpha policy. Coverages for vanishing deductibles, accidental death and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Both sexes have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
  • Consolidate policies to earn discounts – Most car insurance companies provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal.
  • Rural vs Urban Areas – Being located in less populated areas has it’s advantages when talking about car insurance. Less people living in that area means reduced accidents. Drivers who live in large cities have congested traffic and longer commute times. More time commuting translates into higher accident risk.
  • Your spouse saves you money – Being married helps lower the price on your policy. Having a spouse is viewed as being more responsible and it’s proven that being married results in fewer claims.

Companies offer discounts so take them!

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but less common discounts must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on H1 Alpha insurance with select insurance companies.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on H1 Alpha insurance than drivers with accident claims.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.

It’s important to note that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your overall premium however.

Insurance companies that may have these money-saving discounts include:

Double check with all companies you are considering how you can save money. Some discounts might not be offered in every state.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • When would I need additional glass coverage?
  • Is business property covered if stolen from my car?
  • How can I get high-risk coverage after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have newly-aquired coverage?
  • When should I drop full coverage on my 2006 HUMMER H1 Alpha?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability

Liability insurance protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like legal defense fees, funeral expenses, bail bonds, court costs and loss of income. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like EMT expenses, rehabilitation expenses, nursing services and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage protection

Collision insurance pays for damage to your H1 Alpha from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, backing into a parked car, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your HUMMER H1 Alpha.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Final thoughts

When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. There have been many cases where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Insureds switch companies for any number of reasons including lack of trust in their agent, policy cancellation, delays in responding to claim requests and high prices. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

Lower-priced 2006 HUMMER H1 Alpha insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Additional information is located at the links below