Cheapest Insurance for a Hummer H2 in Los Angeles

Being forced to pay for expensive auto insurance premiums can overdraw your monthly budget, especially in this economy. Comparing rates annually is a great way to ensure you are getting the best deal.

It’s a known fact that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper price quotes are inclined to switch to a new company because there is a good probability of finding a policy with more affordable rates. A recent auto insurance study discovered that people who regularly compared rates saved an average of $3,400 over four years as compared to drivers who never shopped around for lower prices.

If finding budget-friendly rates on Hummer H2 insurance is the reason you’re reading this, then having a good understanding how to compare insurance premiums can help make the process easier.

Big companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Keep in mind that more quotes provides better odds of finding a better price.

The car insurance companies shown below are ready to provide comparison quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to get the cheapest price.

Slash rates with these nine discounts on Hummer H2 insurance in Los Angeles

Car insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but a few need to be asked about prior to getting the savings.

• Homeowners Savings – Owning your own home or condo can earn you a little savings since home ownership means you have a higher level of financial diligence.
• Sign Online – Many companies may give you up to $50 simply for signing online.
• Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease with some car insurance companies.
• Bundle and Save – If you can bundle your homeowners and auto insurance with the same company you will save 10% to 20% off each policy.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
• Student Discounts – Being a good student may save as much as 25% on a Los Angeles car insurance quote. Many companies even apply the discount to college students up to age 25.
• No Accidents – Insureds who avoid accidents and claims get the best car insurance rates as compared to drivers who are more careless.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will forgive one accident before hitting you with a surcharge if you have no claims prior to the accident.
• Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.

To see insurers with the best discounts in California, follow this link.

Exclusive versus independent insurance agencies

A lot of people just want to talk to a local agent and doing so can bring peace of mind A nice benefit of comparing rate quotes online is you can get cheap car insurance quotes and still have a local agent. Buying insurance from local insurance agencies is definitely important in Los Angeles.

After filling out this short form, your information is immediately sent to local insurance agents in Los Angeles that can provide free Los Angeles car insurance quotes for your business. You don’t have to do any legwork as quotes are delivered to your email. You can most likely find cheaper rates and an insurance agent to talk to. In the event you want to get a comparison quote from a specific insurance company, you can always visit that company’s website to submit a rate quote request.

If you are wanting to purchase car insurance from a local agent, you must know there are a couple different agency structures and how they are distinctly different. Los Angeles agents can be described as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies or Brokers

Agents in the independent channel do not sell for just one brand so they can write business through many different car insurance companies and find you the best rates. If premiums increase, they simply move the coverage in-house which is easy for the insured.

If you need lower rates, we recommend you get some free quotes from several independent agencies to have the best price comparison.

The following are independent agencies in Los Angeles that can possibly get you price quotes.

View more Los Angeles agents

Exclusive Agencies

Agents that choose to be exclusive work for only one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are well trained on their company’s products and that allows them to sell at a higher price point.

Listed below are Los Angeles exclusive insurance agents that are able to give rate quotes.

View more Los Angeles agents

Choosing an insurance agency shouldn’t rely on just the price. Here are some questions you might want to ask.

• Can they give you a list of client referrals?
• How are claims handled?
• Are they actively involved in the community?
• Is there any savings for paying the full premium?
• If independent agents, which companies do they recommend?

Car insurance coverage information

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types offered by car insurance companies.

Collision – Collision coverage pays for damage to your H2 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible on your H2 to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Hummer H2.

Since many California drivers only purchase the least amount of liability that is required (which is 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, vandalism, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, ambulance fees, nursing services and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability insurance – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/5 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.

The chart below demonstrates why minimum state limits may not be high enough to cover claims.

Be persistent to save money

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many situations where someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

Cheap Hummer H2 insurance in Los Angeles is possible from both online companies in addition to many Los Angeles insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online quoting and usually these smaller companies prefer to sell through independent agencies.

In this article, we covered many ideas to compare Hummer H2 insurance car insurance rates in Los Angeles. The key concept to understand is the more you quote Los Angeles car insurance, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.

For more information, feel free to visit the resources below:

• Teen Driving and Texting (State Farm)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Los Angeles? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for Uninsured Drivers? (FAQ)
• Who Has Cheap Los Angeles Auto Insurance Quotes for Good Drivers? (FAQ)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)
• How Much Auto Coverage do I Need? (Insurance Information Institute)