Consumers that are new to shopping for auto insurance online will discover sourcing cheap H3 insurance is more work than they anticipated.
Astonishing but true, most insurance customers kept their coverage with the same insurance company for more than four years, and almost 40% of drivers have never even shopped around for affordable coverage. Many consumers in Phoenix could cut their rates by $700 a year, but they just assume it takes a lot of time to compare rate quotes.
It’s a good idea to shop coverage around before your policy renews since insurance prices tend to go up over time. Even if you think you had the best price on Hummer H3 insurance in Phoenix at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re about to find out the fastest way to lower your rates without sacrificing coverage.
If you are paying for car insurance now, you should be able to buy cheaper car insurance using the concepts you’re about to learn. Quoting and comparing rates for the lowest cost coverage in Phoenix can be fairly easy. But Arizona consumers need to have an understanding of the methods companies use to determine what you pay.
The are a couple different ways to compare rate quotes from lots of Arizona auto insurance companies. The quickest method to find cheaper Hummer H3 rates involves getting comparison quotes online. When quoting auto insurance, remember that comparing more prices provides better odds of finding more affordable rates. Not every company does online price quotes, so it’s important to also get price quotes from them as well.
The companies shown below offer price comparisons in Arizona. If more than one company is shown, we recommend you visit several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $202 | $382 | $282 | $16 | $84 | $966 | $81 |
| H3 4WD | $204 | $420 | $390 | $24 | $116 | $1,154 | $96 |
| H3 Luxury Package 4WD | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| H3 Alpha 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in your specific Phoenix location which can lower or raise price quotes noticeably.
Deductible comparison
A question often asked by Phoenix drivers is what deductibles to buy. The figures shown below summarize how much more rates are when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| H3 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| H3 Luxury Package 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| H3 Alpha 4WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| H3 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| H3 Luxury Package 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| H3 Alpha 4WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can increase or decrease auto insurance rates substantially.
Based on these figures, using a $100 deductible would cost the average driver about $23 more each month or $276 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claims, you would more than likely save some money going with the higher deductible.
Choosing H3 insurance is an important decision
Despite the high cost of buying insurance for a Hummer H3 in Phoenix, buying insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to carry a specific level of liability in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank or lender will purchase a policy for your Hummer at a significantly higher premium and force you to reimburse them for the expensive policy.
- Insurance protects both your assets and your vehicle. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If your Hummer gets damaged, collision and comprehensive coverages will cover the repair costs.
The benefits of buying insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying more than $800 each year so it’s recommended you shop around at least once a year to save money.
Save money by taking advantage of these nine discounts
Car insurance is neither fun to buy or cheap, but there could be available discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be asked for before they will apply. If you don’t get every credit possible, you could be saving more on your car insurance.
- Bundle and Save – If you combine your home and auto policies and insure them with the same company you will save approximately 10% to 15%.
- Discounts for Good Drivers – Safe drivers may receive a discount up to 45% than drivers with accident claims.
- Discount for Good Grades – A discount for being a good student may save as much as 25% on a Phoenix auto insurance quote. The discount lasts until age 25.
- Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can receive discounts as much as 30%.
- College Student – Older children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
- Discount for Life Insurance – Some companies give a discounted premium rate on car insurance if you buy life insurance from them.
- More Vehicles More Savings – Purchasing coverage when you have all your vehicles with one company can reduce the rates for all insured vehicles.
- Defensive Driver Discount – Taking part in a course in defensive driver may get you a small discount depending on where you live.
- Service Members Pay Less – Being deployed with a military unit may lower your prices slightly.
One last thing about discounts, some credits don’t apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, that’s just not realistic.
Auto insurance companies that may have some of the discounts shown above possibly include:
When getting a coverage quote, ask every company which discounts you qualify for. Some discounts might not be offered in every state. If you would like to see a list of companies that have a full spectrum of discounts in Arizona, click here to view.
Insurance agent or online?
A lot of people still like to get professional advice from a licensed agent and that is OK! One of the best bonuses of getting free rate quotes online is you may find cheap car insurance quotes and still have a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go instantly to you. You can most likely find cheaper rates and a licensed agent to talk to. If you need to get a price quote from a specific car insurance provider, don’t hesitate to find their quoting web page and fill out the quote form the provide.
Picking the best insurance company shouldn’t rely on just the bottom line cost. Here are some questions you should ask.
- Will the quote change when the policy is issued?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they reduce claim amounts on high mileage vehicles?
- Which insurance company do they prefer to write with?
- Is the agent properly licensed in Arizona?
- Does the agency provide any after hours assistance?
If you are wanting to find a local Phoenix insurance agent, you need to know there are two types of agencies from which to choose. Car insurance policy providers can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive can only place business with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on their company’s products and that can be a competitive advantage. Many people use the same exclusive agent partially due to loyalty to the company and solid financial strength.
Shown below are Phoenix exclusive insurance agencies who may provide you with rate quotes.
- Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map - American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not restricted to one company so they can write business through many companies and potentially find a lower price. If you want to switch companies, an independent agent can move your coverage and you won’t have to switch agencies.
If you need lower rates, you should always compare prices from a couple of independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with smaller companies which could offer lower prices.
Shown below is a short list of independent insurance agencies in Phoenix willing to provide rate quotes.
- Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map - Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map - Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map
After getting good feedback to all your questions and an acceptable price quote, it’s possible that you found an insurance agency that can be trusted to adequately provide car insurance. Just remember you have the power to cancel coverage whenever you choose to so don’t think you are locked into a specific company with no way to switch.
Auto insurance coverage basics
Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision protection
Collision coverage covers damage to your H3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible on your H3 to save money on collision insurance.
Comprehensive coverages
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things such as hitting a deer, vandalism and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000.
Liability insurance covers things like funeral expenses, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry better liability coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like ambulance fees, surgery, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Hummer H3.
Due to the fact that many Arizona drivers carry very low liability coverage limits (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Smart shoppers get results
Insureds leave their current company for many reasons like denial of a claim, extreme rates for teen drivers, unfair underwriting practices or poor customer service. It doesn’t matter why you want to switch finding a new company can be less work than you think.
As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In many instances, drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The goal is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.
Budget-friendly insurance in Phoenix can be bought from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. Some insurance providers may not have internet price quotes and usually these small, regional companies provide coverage only through independent agents.
For more information, link through to the resources below:
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)