Compare Hummer H3 Insurance Quotes in Cincinnati

Discount Hummer H3 insuranceIf saving money is your primary concern, then the best way to get low-cost Hummer H3 insurance in Cincinnati is to compare prices annually from providers in Ohio.

One tip to remember is to make sure you’re comparing the same liability limits and deductibles on each quote request and to quote with as many companies as you can. Doing this ensures an apples-to-apples comparison and plenty of rates choose from.

Unbelievable but true, most drivers have bought insurance from the same company for over three years, and roughly 40% of drivers have never shopped around. The average driver in Cincinnati could save an average of 55% each year by just comparing rate quotes, but most tend to underestimate the actual amount they would save if they changed companies.

Best companies for Hummer H3 insurance

The car insurance companies shown below have been selected to offer price comparisons in Cincinnati, OH. If your goal is to find the best auto insurance in OH, it’s a good idea that you compare several of them to find the cheapest car insurance rates.

Analysis of coverages

The price information displayed below showcases a range of insurance rates for Hummer H3 models. Being able to understand how insurance premiums are established can help drivers make smart policy decisions.

Hummer H3 Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $216 $478 $274 $16 $82 $1,066 $89
H3 4WD $216 $478 $274 $16 $82 $1,066 $89
H3 Luxury Package 4WD $216 $478 $274 $16 $82 $1,066 $89
H3 Alpha 4WD $240 $478 $274 $16 $82 $1,090 $91
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates substantially.

Can higher deductibles save money?

One common question asked by Cincinnati drivers is what deductibles to buy. The figures shown below may help to conceptualize the price difference between high and low coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Hummer H3 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $220 $416 $226 $14 $68 $969 $81
H3 4WD $220 $416 $226 $14 $68 $969 $81
H3 Luxury Package 4WD $220 $416 $226 $14 $68 $969 $81
H3 Alpha 4WD $246 $416 $226 $14 $68 $995 $83
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Hummer H3 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $160 $280 $226 $14 $68 $748 $62
H3 4WD $160 $280 $226 $14 $68 $748 $62
H3 Luxury Package 4WD $160 $280 $226 $14 $68 $748 $62
H3 Alpha 4WD $180 $280 $226 $14 $68 $768 $64
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums substantially.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $19 more each month or $228 annually across all Hummer H3 models than opting for the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claims, you would probably be better off by going with a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $82
Average monthly premium for $500 deductibles (subtract): – $63
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Cheaper rates with these discounts

Auto insurance companies do not list all discounts in a way that’s easy to find, so the list below contains a few of the more common and the more hidden credits available to lower your premiums when you buy Cincinnati auto insurance online.Save money with discounts

A quick disclaimer, most discounts do not apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The illustration below visualizes the comparison of Hummer H3 auto insurance rates with and without discounts applied. The premium estimates are based on a female driver, no violations or claims, Ohio 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 homeowner, multi-policy, safe-driver, multi-car, claim-free, and marriage discounts applied.

A few of the larger companies and their possible discounts are shown below.

Before buying, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in every state.

Find Hummer H3 Insurance Cheaper

Many factors are considered when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are more transparent such as your marital status and annual miles driven. Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower insurance prices.

Accidents can be expensive – Being a careful driver impacts your car insurance rates tremendously. Attentive drivers have lower premiums than people who have multiple driving citations. Even a single driving citation can boost insurance rates substantially. Drivers who have received flagrant violations such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

The chart below highlights how speeding tickets and at-fault fender-benders can drive up Hummer H3 insurance costs for different age groups of insureds. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Better premiums for uninterrupted coverage – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department.

Gender and auto insurance rates – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Males and females have at-fault accidents at about the same rate, but guys get into accidents with more damage. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

The illustration below visualizes the comparison of Hummer H3 insurance costs for male and female drivers. The data assumes no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Insurance premiums are higher for high performance vehicles – The type of car you own makes a substantial difference in your car insurance bill. The best insurance prices are usually for smaller low performance passenger models, but the final cost of insurance is determined by many other factors.

The following chart assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Hummer H3 policy rates compared to other models that have different performance rating factors.

Qualify for multi-policy discounts – Most major companies provide a discount to clients who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to get quotes from other companies to help guarantee you have the best rates.There is a chance you can find a better deal by insuring with multiple companies.

Improve your credit score and save – Having a good credit history is a big factor in determining your rates. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than those with worse credit. If your credit history leaves room for improvement, you could pay less to insure your Hummer H3 by taking the time to improve your credit score.

Car features can affect insurance rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft.

Do you need those extra policy coverages? – There are a ton of additional extra coverages that can add up when buying insurance. Coverages for personal injury protection, death and dismemberment, and additional equipment coverage are some examples. They may seem good when deciding what coverages you need, but if they’re wasting money get rid of them and save.

You may want advice from an agent

Some people prefer to go talk to an agent and we recommend doing that Insurance agents can point out coverage gaps and give you someone to call. One of the benefits of comparing rate quotes online is the fact that you can find the best rates but also keep your business local.

To help locate an agent, after submitting this quick form, your coverage information is instantly submitted to agents in your area who will return price quotes and help you find cheaper coverage. You won’t even need to find an agent due to the fact that quote results will go to the email address you provide. If you want to quote rates from a particular provider, you just need to jump over to their website and give them your coverage information.

Choosing the best company should depend on more than just the bottom line cost. These are some questions your agent should answer.

Independent or Exclusive: It’s your choice

When researching a local Cincinnati insurance agency, there are a couple of types of insurance agents and how they are slightly different. Auto insurance agents are categorized either independent or exclusive depending on the company they work for. Either one can sell affordable auto insurance policies, but it’s worth learning how they are different since it can affect the kind of agent you use.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company like State Farm or Allstate. Exclusive agents are unable to provide other company’s prices so they are skilled at selling on more than just price. They are highly trained on their company’s products which helps them compete with independent agents.

Listed below are Cincinnati exclusive insurance agencies willing to provide price quote information.

6900 Miami AveCincinnati, OH 45243(513) 574-0321View Map

2306 W Galbraith RdCincinnati, OH 45239(513) 522-9343View Map

309 W Kemper RdCincinnati, OH 45246(513) 771-1436View Map

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Independent Auto Insurance Agents

Agents in the independent channel often have affiliation with several companies so they can insure your vehicles through many companies depending on which coverage is best. To transfer your coverage to a different company, they simply move your policy to a different company which requires no work on your part.

If you need lower rates, you should always check rates from at least one independent agent to get the most accurate price comparison.

The following are independent insurance agencies in Cincinnati that can give you comparison quotes.

3356 N Bend RdCincinnati, OH 45239(513) 389-4100View Map

5932 Glenway AveCincinnati, OH 45238(513) 451-8050View Map

7710 Shawnee Run Rd # G2Cincinnati, OH 45243(513) 561-5551View Map

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Smart shoppers get results

Budget-friendly insurance in Cincinnati is available online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have online quoting and most of the time these regional carriers provide coverage only through independent agents.

In this article, we presented some good ideas how to save on Hummer H3 insurance in Cincinnati. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper Cincinnati auto insurance quotes. Consumers could even find that the most savings is with a small local company. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as GEICO and State Farm.

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