If your goal is the lowest price, then the best way to get discount Hummer H3 insurance is to start comparing prices regularly from insurers who can sell car insurance in Aurora.
First, try to learn a little about how companies price auto insurance and the steps you can take to drop your rates. Many rating factors that are responsible for high rates such as at-fault accidents and a negative credit score can be eliminated by making minor changes in your lifestyle.
Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple sources. Select a company
Third, compare the new quotes to your current policy and determine if cheaper H3 coverage is available in Aurora. If you find a better price, make sure coverage does not lapse between policies.
Fourth, notify your current company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application for your new policy. Once coverage is bound, store the certificate verifying coverage along with your vehicle registration.
A valuable tip to remember is to make sure you enter similar deductibles and liability limits on each quote and and to get price quotes from every insurance company. Doing this helps ensure an apples-to-apples comparison and a complete price analysis.
Unfortunately, most auto insurance buyers have purchased from the same company for four years or more, and virtually 40% of consumers have never even compared quotes to find cheaper rates. Most drivers in Colorado could cut their rates by roughly 35% a year by just comparing rate quotes, but they just assume it takes a lot of time to do a rate comparison.
If you’re already insured or are looking for a new policy, follow these tips to cut your premiums without reducing protection. Finding and buying affordable coverage in Aurora is easy if you know what you’re doing. Drivers only need to know the tricks to compare different rates over the internet.
Buy Aurora Hummer H3 insurance online
The auto insurance companies shown below have been selected to offer comparison quotes in Colorado. To get cheap car insurance in Aurora, we recommend you visit as many as you can to get the lowest price.
Insurance coverage analysis
The coverage information shown below covers detailed analysis of coverage prices for Hummer H3 models. Learning a little about how insurance policy premiums are calculated can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $306 | $538 | $352 | $20 | $106 | $1,322 | $110 |
| H3 4WD | $306 | $538 | $352 | $20 | $106 | $1,322 | $110 |
| H3 Luxury Package 4WD | $306 | $538 | $352 | $20 | $106 | $1,322 | $110 |
| H3 Alpha 4WD | $342 | $538 | $352 | $20 | $106 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in garaging location in Aurora which can change premium rates noticeably.
Auto insurance deductibles
When buying auto insurance, a common question is what deductibles to buy. The data tables below highlight how much more rates are between low and high deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| H3 4WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| H3 Luxury Package 4WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| H3 Alpha 4WD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| H3 4WD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| H3 Luxury Package 4WD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| H3 Alpha 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can impact rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost you approximately $40 more each month or $480 a year averaged for all H3 models than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 23 months between claims, you would come out ahead if you choose a higher deductible.
There’s no such thing as the perfect car insurance policy
When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.
For example, these questions might help in determining whether or not you will benefit from professional help.
- What are good deductibles for a Hummer H3?
- How can I find cheaper teen driver insurance?
- Is my custom paint covered by insurance?
- Am I missing any policy discounts?
- What is the premium to book value ratio for dropping full coverage?
- Why am I required to buy liability insurance?
- What are the liability requirements in my state?
- When should my teen driver be added to my policy?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Shop online but buy locally
A lot of people just prefer to have an agent’s advice and we recommend doing that Professional insurance agents will help you protect your assets and give you someone to call. The best thing about price shopping on the web is you can get lower rates and still buy from a local agent.
For easy comparison, once you complete this simple form, your insurance coverage information gets sent to agents in your area that give free quotes to get your business. You don’t have to leave your house since rate quotes are delivered to you instantly. If for some reason you want to get a price quote from a particular provider, you just need to go to their quote page and submit a quote form there.
Selecting a insurance company should include more criteria than just the price. These are some questions you should get answers to.
- Can glass claims be handled at your home?
- Did they already check your driving record and credit reports?
- Do they specialize in personal lines auto insurance in Aurora?
- Do they offer rental car reimbursement?
- How much will you save each year by using a higher deductible?
- What kind of financial rating does the company have?
- How would your car be valued if totaled?
If you want a good Aurora insurance agent, you should know the different agency structures to choose from. Aurora agents can either be independent (non-exclusive) or exclusive. Either type can provide car insurance policies, but it’s worth learning the difference in the companies they write for since it may influence your selection of an agent.
Exclusive Agents
Exclusive insurance agents generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy from the same agent for years mainly due to high brand loyalty and solid financial strength.
Shown below are exclusive agents in Aurora that are able to give price quotes.
- Bill Mahaffy III – State Farm Insurance Agent
15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 – View Map - Wayne Johnson – State Farm Insurance Agent
12201 E Mississippi Ave #105 – Aurora, CO 80012 – (303) 695-6262 – View Map - Allstate Insurance: Jack Sughrue
2226 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 751-4701 – View Map
Independent Insurance Agents
These type of agents can sell policies from many different companies so they can quote policies with an assortment of companies enabling the ability to shop coverage around. If they find a cheaper price, an independent agent can move your coverage and that require little work on your part.
When comparison shopping, it’s a good idea to include price quotes from several independent agencies to maximize your price options. Many write coverage with additional companies that you may not be familiar with which can save you money.
Listed below is a short list of independent agents in Aurora that can give you price quote information.
- ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map - Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map
If you feel you receive good responses for all questions you ask in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that can be relied on to service your policy. Just keep in mind consumers can cancel a policy at any point so don’t feel that you’re stuck with your new company for the full policy term.