Trying to find low-cost insurance for your Hummer H3 in Texas could be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to shop for insurance and you need to know the quickest way to compare rates for a new or used Hummer and find the lowest price either online or from Corpus Christi insurance agents.
Surprisingly, a recent survey revealed that the vast majority of insurance customers in Texas have been with the same company for over three years, and practically 40% of insurance customers have never quoted insurance rates at all. The average driver in the United States can save roughly 47% each year just by getting comparison quotes, but they think it’s difficult to find affordable insurance rates.
Smart consumers take time to get comparison quotes as often as possible because insurance prices are variable and change quite frequently. Even if you got the best price on Hummer H3 insurance in Corpus Christi on your last policy the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.
Finding a lower price on insurance can be surprisingly simple. You just have to invest a little time comparing free Corpus Christi auto insurance quotes to see which company has affordable Corpus Christi auto insurance quotes.
The following companies can provide free quotes in Corpus Christi, TX. To locate the best cheap auto insurance in Texas, we recommend you visit two to three different companies to find the lowest auto insurance rates.
Analysis of Hummer H3 rates
The rate table shown below showcases different insurance coverage prices for Hummer H3 models. Having knowledge of how insurance prices are established can help you make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|H3 Adventure Package 4WD||$256||$486||$358||$22||$108||$1,230||$103|
|H3 Luxury Package 4WD||$256||$486||$358||$22||$108||$1,230||$103|
|H3 Alpha 4WD||$286||$486||$358||$22||$108||$1,260||$105|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific garaging location which can impact coverage rates substantially.
The illustration below shows how choosing a deductible and can change Hummer H3 insurance premiums for each different age category. The data assumes a single male driver, full physical damage coverage, and no discounts are factored in.
How accidents and tickets impact rates
The example below demonstrates how traffic citations and at-fault fender-benders drive up Hummer H3 insurance prices for different categories of driver ages. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Hummer H3 insurance costs by age and gender
The illustration below shows the comparison of Hummer H3 car insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Hummer H3 in Corpus Christi, paying for auto insurance is most likely required but also gives you several important benefits.
First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Hummer H3 has a lienholder, most lenders will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may buy a policy for your Hummer at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
Third, auto insurance protects both your assets and your Hummer. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay to defend you if you are named as a defendant in an auto accident. If your Hummer gets damaged, your auto insurance policy will pay to have it repaired.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in Texas overpays more than $869 every year so you should quote rates each time the policy renews to make sure the price is not too high.
Coverages available on your policy
Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Hummer H3.
Since a lot of drivers carry very low liability coverage limits (Texas limits are 30/60/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.
Insurance for medical payments – Med pay and PIP coverage kick in for expenses for doctor visits, funeral costs, chiropractic care and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, hail damage, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for liability – This protects you from injuries or damage you cause to other people or property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 30/60/25 that means you have a $30,000 limit per person for injuries, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things like funeral expenses, medical services, attorney fees, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The next chart demonstrates why buying low liability limits may not be adequate.
Collision – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your H3 to get cheaper collision coverage.
Corpus Christi auto insurance company ratings
Buying coverage from the highest-rated car insurance provider is hard considering how many companies sell coverage in Corpus Christi. The company rank data in the lists below may help you analyze which coverage providers to look at when comparing rate quotes.
Top 10 Corpus Christi Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century