Auto Insurance Rate Quotes for a Hummer H3 in San Jose

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Insurance quote for Hummer H3 in San JoseReally, the only way to get affordable Hummer H3 insurance is to annually compare prices from providers who can sell car insurance in San Jose. Drivers can shop around by following these steps.

Step 1: Get an understanding of how companies price auto insurance and the changes you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as accidents, traffic tickets, and an unacceptable credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover information to prevent rate hikes and earn larger discounts.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of insurance providers.

Step 3: Compare the new quotes to your current policy premium and determine if there is any savings. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

An important bit of advice to remember is to compare identical limits and deductibles on every quote and and to get quotes from as many auto insurance providers as possible. This provides a fair rate comparison and a complete rate analysis.

Surprisingly, a recent survey revealed that most consumers have stayed with the same insurance company for at least the last four years, and 38% of drivers have never compared rates with other companies. The average driver in San Jose could save an average of about 35% each year just by shopping around, but they don't understand how simple it is to go online and compare rates.

If you have coverage now, you will surely be able to reduce the price you pay using this information. These techniques will tell you the most effective ways to compare rates. But California car owners must comprehend how insurance companies sell online and take advantage of how the system works.

Hummer H3 Insurance Premiums Can Be Reduced

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable like your driving record, but others are not quite as obvious such as your credit history or how financially stable you are.

The following are just a few of the factors used by insurance companies to determine prices.

  • Performance impacts premiums - The type of car you are insuring makes a big difference in how high your rates are. The cheapest rates are generally reserved for lower cost passenger vehicles, but there are many factors that impact the final cost.

    The following chart assumes a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Hummer H3 insurance rates compared to other models that have different performance rating factors.

  • Bad credit will cost you - Your credit history can be an important factor in calculating your car insurance rates. Insureds with high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit scores. So if your credit score is lower than you'd like, you could pay less to insure your Hummer H3 by spending a little time repairing your credit.
  • Inexpensive frequent insurance claims are not good - If you're an insured who likes to file claims you shouldn't be surprised to get increased rates or even have your policy non-renewed. Car insurance companies in California give discounts to policyholders that do not abuse their auto insurance. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
  • Battle of the sexes - Statistics show females are less aggressive when driving. Now that doesn't mean women are BETTER drivers than men. Men and women cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.

    The illustration below compares Hummer H3 car insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

  • Accidents mean higher premiums - Your driving citation history has a big impact on rates. Getting just one ticket may increase your cost by as much as thirty percent. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have gotten multiple citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive a vehicle.

    The illustration below shows how violations and at-fault accidents influence Hummer H3 insurance rates for different age groups of insureds. The information is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

  • Multiple policies with one company - Most insurers apply better rates to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still get quotes from other companies to ensure the best deal. Drivers may still save even more than the discount by buying insurance from more than one company.

Hummer H3 insurance charts and tables

The rate table shown next outlines detailed analysis of insurance premium costs for Hummer H3 models. Knowing how insurance policy rates are determined helps drivers make smart choices when buying a policy.

Hummer H3 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $300 $576 $424 $26 $126 $1,452 $121
H3 4WD $300 $576 $424 $26 $126 $1,452 $121
H3 Luxury Package 4WD $300 $576 $424 $26 $126 $1,452 $121
H3 Alpha 4WD $334 $576 $424 $26 $126 $1,486 $124
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in San Jose location which can affect rates substantially.

Deductible analysis

One of the most common insurance questions is how high should the deductibles for physical damage be. The tables below can help you visualize how much more you'll pay of buying low and high coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Hummer H3 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $430 $810 $442 $26 $132 $1,865 $155
H3 4WD $430 $810 $442 $26 $132 $1,865 $155
H3 Luxury Package 4WD $430 $810 $442 $26 $132 $1,865 $155
H3 Alpha 4WD $478 $810 $442 $26 $132 $1,913 $159
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Hummer H3 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $238 $426 $442 $26 $132 $1,264 $105
H3 4WD $238 $426 $442 $26 $132 $1,264 $105
H3 Luxury Package 4WD $238 $426 $442 $26 $132 $1,264 $105
H3 Alpha 4WD $266 $426 $442 $26 $132 $1,292 $108
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location information which can alter rates considerably.

We can estimate from the data above that using a $100 deductible costs about $50 more each month or $600 every year than selecting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 18 months between claim filings, you would save more money if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $156
Average monthly premium for $1,000 deductibles (subtract): - $106
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important sidenote is that raising deductibles to save money means you will have to cover more of the damage yourself if you have a claim. It will be required that you have access to more funds in the event you have to pay the deductible for vehicle repair.

These discounts can lower Hummer H3 insurance rates

Insurance can cost an arm and a leg, but there could be significant discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be requested specifically in order for you to get them.Discount auto insurance

  • Driver Education Discount - It's a good idea to have your young drivers successfully complete driver's ed class as it can save substantially.
  • Auto/Home Discount - If you can bundle your home and auto insurance with one company you could earn a discount of at least 10 to 15 percent or more.
  • Defensive Driving Course - Successfully completing a class that teaches safe driver techniques could cut 5% off your bill if your company offers it.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Sign Early and Save - A few larger companies give discounts for signing up early. You could save around 10% when you buy San Jose car insurance online.

As a footnote on discounts, some credits don't apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, companies wouldn't make money that way.

The example below compares Hummer H3 insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

Larger auto insurance companies and a selection of discounts are outlined below.

  • GEICO may have discounts that include emergency military deployment, federal employee, military active duty, defensive driver, anti-theft, and anti-lock brakes.
  • Travelers offers discounts for IntelliDrive, early quote, payment discounts, multi-policy, save driver, student away at school, and hybrid/electric vehicle.
  • Farm Bureau may include discounts for driver training, 55 and retired, multi-vehicle, good student, and renewal discount.
  • Liberty Mutual has discounts for preferred payment discount, safety features, new graduate, newly married, new move discount, hybrid vehicle, and multi-policy.
  • American Family includes discounts for bundled insurance, multi-vehicle, good driver, accident-free, good student, air bags, and Steer into Savings.
  • Progressive offers premium reductions for online signing, online quote discount, good student, homeowner, continuous coverage, and multi-vehicle.

Double check with all companies you are considering how you can save money. Some discounts listed above might not be available to policyholders in San Jose. To see a list of insurers who offer online Hummer H3 insurance quotes in California, click here.

Final considerations

In this article, we covered a lot of ways to compare Hummer H3 insurance car insurance rates in San Jose. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising. Some small companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best price, but don't skip important coverages to save money.

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