How to Save on Hummer H3 Insurance in Durham

  1. Home
  2. >
  3. Durham Auto Insurance
  4. >
  5. Hummer H3

The best way to find affordable quotes for Hummer H3 insurance in Durham is to start doing an annual price comparison from providers who sell auto insurance in North Carolina.

  • Step 1: Read about how companies price auto insurance and the factors you can control to keep rates in check. Many rating criteria that are responsible for high rates such as distracted driving and a poor credit score can be improved by being financially responsible and driving safely. Read the full article for more ideas to find cheap prices and get additional discounts that may have been overlooked.
  • Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote prices from multiple companies.
  • Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate in Durham. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
  • Step 4: Provide adequate notice to your current company to cancel the current policy. Submit a down payment and signed policy application to your new agent or company. As soon as coverage is bound, put the new certificate verifying proof of insurance along with the vehicle's registration papers.

A crucial key to this process is that you'll want to compare similar coverage information on each price quote and and to get price estimates from all possible companies. Doing this provides a level playing field and a good representation of prices.

Insurance rates Hummer H3 in DurhamIt's well known that auto insurance companies don't want you to compare rates. Insureds who shop for lower prices will, in all likelihood, buy a new policy because there is a significant possibility of finding a lower-priced company. Surprisingly, a recent survey revealed that consumers who compared price quotes annually saved over $850 each year compared to people who never shopped around for better prices.

If finding the lowest price for Hummer H3 insurance in Durham is your target objective, then having a good understanding how to quote and compare coverage rates can help you be more efficient.

Comparing quotes for the cheapest insurance in Durham is not as hard as you may think. In a nutshell, every car owner who requires lower cost insurance will most likely be able to find lower rates. Although North Carolina drivers must learn the way insurance companies price insurance differently and take advantage of how the system works.

The method we recommend to compare insurance rates in your area is to know the fact auto insurance companies allow for online access to give you rate quotes. All you need to do is give the companies some data including if a SR-22 is required, driver ages, your job, and whether your vehicle is owned or leased. Those rating factors gets sent immediately to multiple different insurance companies and you get price estimates instantly to find the best rate.

If you would like to compare rates now, click here and complete the quick form.

The following companies provide quotes in North Carolina. If you want to find cheap car insurance in North Carolina, it's a good idea that you visit several of them in order to find the cheapest rates.

Take policy discounts and save on Hummer H3 insurance in Durham

Some providers do not advertise their entire list of discounts very well, so here is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy Durham auto insurance online.Discount auto insurance

  • Multiple Vehicles - Buying a policy with more than one vehicle on the same auto insurance policy can get a discount for every vehicle.
  • Early Renewal Discounts - Some insurance companies provide a discount for buying a policy prior to the expiration date on your current H3 insurance policy. You may see this discount when you get Durham auto insurance quotes online.
  • Anti-theft Discount - Cars optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more on H3 insurance in Durham.
  • Passive Restraints - Factory air bags can receive discounts of 20 to 30 percent.
  • Driver Education Discount - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • ABS Brakes - Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
  • Responsible Driver Discounts - Drivers without accidents can save as much as half off their rates than less cautious drivers.
  • Defensive Driver - Passing a class that teaches defensive driver techniques may get you a small discount and also improve your driving technique.
  • Durham Homeowners Discount - Just being a homeowner can save a few bucks because maintaining a house requires a higher level of personal finance.
  • Claim Free - Insureds with no claims or accidents can earn big discounts as opposed to policyholders that have many claims.

One last thing about discounts, most credits do not apply to the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, auto insurance companies aren't that generous.

The illustration below illustrates the comparison of Hummer H3 car insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts are included below.

  • The Hartford offers discounts for bundle, air bag, good student, defensive driver, driver training, anti-theft, and vehicle fuel type.
  • American Family offers premium reductions for defensive driver, early bird, good student, accident-free, bundled insurance, mySafetyValet, and good driver.
  • Progressive may have discounts that include online quote discount, continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, and good student.
  • Travelers has discounts for early quote, hybrid/electric vehicle, driver training, save driver, and home ownership.
  • Farmers Insurance may include discounts for multi-car, youthful driver, good student, distant student, teen driver, electronic funds transfer, and pay in full.
  • USAA includes discounts for multi-policy, new vehicle, good student, multi-vehicle, military installation, and vehicle storage.
  • Liberty Mutual has savings for good student, safety features, newly retired, exclusive group savings, teen driver discount, and multi-car.

Before buying, ask all the companies to apply every possible discount. Discounts might not apply in Durham.

Rates and statistics

The rate information below highlights a range of prices for Hummer H3 models. Understanding how rate quotes are determined can be of help when making informed decisions when comparing rate quotes.

Hummer H3 Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $208 $432 $324 $20 $96 $1,080 $90
H3 4WD $208 $432 $324 $20 $96 $1,080 $90
H3 Luxury Package 4WD $208 $432 $324 $20 $96 $1,080 $90
H3 Alpha 4WD $232 $432 $324 $20 $96 $1,104 $92
Get Your Own Custom Quote Go

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in your specific Durham location which can influence prices considerably.

Rate comparison for different deductibles

One common question asked by Durham drivers is the level to set your comp and collision deductibles. The rates below summarize the differences in price of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Hummer H3 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $242 $456 $250 $14 $74 $1,061 $88
H3 4WD $242 $456 $250 $14 $74 $1,061 $88
H3 Luxury Package 4WD $242 $456 $250 $14 $74 $1,061 $88
H3 Alpha 4WD $270 $456 $250 $14 $74 $1,089 $91
Get Your Own Custom Quote Go
Hummer H3 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $176 $308 $250 $14 $74 $822 $69
H3 4WD $176 $308 $250 $14 $74 $822 $69
H3 Luxury Package 4WD $176 $308 $250 $14 $74 $822 $69
H3 Alpha 4WD $196 $308 $250 $14 $74 $842 $70
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can affect premiums substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $20 more each month or $240 annually than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 20 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The diagram below demonstrates how deductibles and can change Hummer H3 insurance premiums for different age categories. The data is based on a single male driver, comp and collision included, and no other discounts are factored in.

Hummer H3 full coverage rates compared to liability only

The diagram below shows the difference between Hummer H3 insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The premiums assume no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no set guideline for eliminating full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's say your Hummer H3 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your deductible. If premiums are more than $400 a year for full coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Informed Drivers Can Lower Their Insurance Premiums

Many different elements are considered when premium rates are determined. Some are obvious such as traffic violations, but other criteria are more obscure like where you live or your financial responsibility. A large part of saving on auto insurance is knowing some of the elements that go into determining your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.

The following are some of the most rate-impacting factors used by insurance companies to determine prices.

Low coverage deductibles cost more - Deductibles for physical damage tell how much you are willing to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, collision with a deer, and having a roll-over accident. The more you are required to pay out-of-pocket, the less money you will pay for auto insurance.

Is your vehicle theft-ready? - Selecting a car model with a theft deterrent system can help lower your rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.

Prevent policy lapses - Driving with no insurance is against the law and companies may charge more for letting your insurance coverage expire. Not only will you pay more, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the North Carolina motor vehicle department to get your license reinstated.

Commute or pleasure use - Driving more miles every year the more you'll pay to insure it. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Autos used primarily for pleasure use qualify for better rates than cars that get driven a lot. Incorrect rating for your H3 is throwing money out the window. Ask your agent if your auto insurance policy reflects the right rating data.

Poor credit decisions can cost you - Having a bad credit score is a big factor in calculating your premium rate. If your credit rating is low, you may save money insuring your Hummer H3 by spending a little time repairing your credit. People that have good credit tend to file fewer claims and have better driving records as compared to drivers with worse credit.

Your address can impact price - Living in areas with lower population can be a good thing when talking about auto insurance. Less people means less chance of accidents. Urban drivers regularly have more road rage incidents and longer commute times. More time behind the wheel means more chance of being in an accident.

Rates can drop if you have more than one policy - Some insurers allow a discount to buyers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, it's in your best interest to compare other Durham H3 insurance rates to confirm you are receiving the best rates possible. You may still be able to find better rates even if you insure with multiple companies

Drive a safer car and pay less - Vehicles with high crash test scores get lower rates. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates.