Cheapest Quotes for Hummer H3 Insurance in Seattle

I can’t think of anyone who is fond of buying auto insurance, especially when they know the cost is way too high.

A recent auto insurance study discovered that the vast majority of consumers have bought auto insurance from the same company for at least the last four years, and nearly the majority have never compared quotes from other companies. With the average premium in the United States being $1,847, drivers can save nearly 47% each year by just comparing rate quotes, but they don’t invest the time required to find cheap insurance by shopping around.

Companies like Progressive, State Farm and GEICO constantly blast consumers with fancy advertisements and it can be hard to ignore the flashy ads and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to reduce premiums using the ideas you’re about to read. Finding the cheapest insurance coverage in Seattle is really quite easy. But Washington consumers should learn how insurance companies price online insurance and use this information to your advantage.

When comparison shopping, there are several ways to obtain and compare prices from different Seattle insurance companies. The simplest method to find competitive Hummer H3 insurance rates is to get quotes online.

Doing price comparisons online is so simple that it makes it a waste of time to spend your day driving to and from local Seattle insurance agencies. Comparing Hummer H3 insurance rate quotes online has reduced the need for local agents unless you have a need for the guidance that only a licensed agent can provide. It is possible with some companies compare online quotes but still have the advice of a local agent.

Just keep in mind that comparing more rates from different companies increases your odds of finding more affordable rates. Not every company allows you to get online price quotes, so you should also compare prices from them, too.

The companies shown below offer price comparisons in Washington. If more than one company is shown, it’s highly recommended you visit two to three different companies to find the most affordable car insurance rates.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in Seattle location which can raise or lower prices substantially.

Where to set your deductibles

One frequently asked question is what deductibles to buy. The data tables below determine the premium difference when you choose different coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific Seattle garaging location which can lower or raise insurance rates noticeably.

Based on these figures, using a $100 deductible would cost the average driver about $23 more each month or $276 each year than choosing the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 17 months between claims, you would probably be better off if you opt for a higher deductible.

Where to set your deductibles

The illustration below illustrates how your deductible choice and can raise or lower Hummer H3 insurance costs for different categories of driver ages. The premiums are based on a married female driver, full coverage, and no other discounts are factored in.

Get affordable Hummer H3 insurance in Seattle with discounts

Not too many consumers would say auto insurance is affordable, but you can get discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but a few must be inquired about before being credited.

• Multi-car Discount – Purchasing coverage when you have all your vehicles on one policy can reduce the rates for all insured vehicles.
• Auto/Home Discount – If you combine your auto and homeowners policies and place coverage with the same company you could earn a discount of at least 10% off all policies.
• No Claims – Insureds with no claims or accidents have much lower rates compared to bad drivers.
• Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
• Cautious Driver Discounts – Insureds who avoid accidents may save up to 50% more than drivers with accident claims.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• Defensive Driving Course – Participating in a safe driver course can save you 5% or more if your company offers it.

Remember that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

Auto insurance companies that may have some of the above discounts possibly include:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

If you need lower rates, check with all companies you are considering which discounts you qualify for. All car insurance discounts might not be offered on policies in Seattle. To choose insurers with significant discounts in Washington, click this link.

Protect more than your H3

Despite the potentially high cost of Hummer H3 insurance, car insurance is not optional due to several reasons.

• Almost all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability coverage if you drive a vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Hummer H3 with a loan, almost every bank will force you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Hummer at a much higher premium rate and require you to pay for the expensive policy.
• Car insurance protects your Hummer H3 and your assets. It will also cover medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver is overpaying more than $750 every year so it’s important to compare rates once a year at a minimum to ensure rates are inline.

You may require the services of a local insurance agent

Many people just want to talk to a local agent and there is nothing wrong with that. One of the great benefits of comparing rate quotes online is that drivers can save money and get cheap insurance rates and still have an agent to talk to. Buying from neighborhood insurance agencies is still important in Seattle.

Once you complete this simple form, the coverage information is transmitted to participating agents in Seattle that give free quotes for your business. It’s much easier because you don’t need to leave your house because quoted prices will be sent to the email address you provide. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a price quote from one company in particular, just search and find their rate quote page and give them your coverage information.

If you need to find an insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Agencies in Seattle can either be independent agents or exclusive agents.

Independent Insurance Agencies or Brokers

Agents in the independent channel are not limited to a single company so they can quote policies with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move your policy to a different company and you don’t have to do anything.

If you are comparing insurance prices, we recommend you include several independent insurance agents in order to compare the most rates.

Featured below is a partial list of independent agents in Seattle that may be able to provide comparison quotes.

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Exclusive Insurance Agents

Exclusive agents have only one company to place business with and examples are AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot shop your coverage around so always compare other rates. Exclusive insurance agents are usually well trained in insurance sales and that enables them to sell even at higher rates.

The following are exclusive insurance agents in Seattle who can help you get comparison quotes.

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Selecting an auto insurance agent should depend on more than just the price. Any agent in Seattle should have no problem answering these questions:

• Can you choose the body shop in case repairs are needed?
• How long has their agency been open in Seattle?
• Who is covered by the car insurance policy?
• If your car is totalled, how to they determine the replacement cost?
• Can you contact them at any time?
• What insurance companies do they work with in Seattle?
• Where would glass claims be handled in Seattle?
• What are the financial ratings for the companies they represent?