Affordable Insurance for a Hummer H3 in Louisville

Insurance rates Hummer H3 in LouisvilleDo you want a faster way to compare more competitive Hummer H3 insurance in Louisville? Getting budget-priced Louisville Hummer H3 insurance quotes on the web might seem somewhat difficult for consumers that are relatively new to online price comparisons. Because there are so many insurance companies available, how are consumers able to possibly compare every company to locate the lowest price?

How to buy cheaper Hummer H3 insurance in Louisville

If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates is to compare prices regularly from different companies who sell insurance in Louisville. You can compare rates by following these steps.

  1. Try to learn about how insurance companies determine prices and the measures you can take to prevent high rates. Many rating criteria that cause high rates like your driving record and a negative credit score can be controlled by making lifestyle changes or driving safer. Continue reading for information to get affordable coverage and find available discounts that you may qualify for.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide prices for a wide range of companies.
  3. Compare the new rate quotes to your existing rates to see if cheaper H3 coverage is available in Louisville. If you can save money and make a switch, ensure coverage does not lapse between policies.
  4. Tell your current company to cancel your existing policy. Submit payment and a signed application for your new coverage. As soon as you receive it, put the new certificate verifying proof of insurance somewhere easily accessible.

One tip to remember is to try to compare similar limits and deductibles on every price quote and and to compare as many different companies as possible. This helps ensure a fair price comparison and a thorough selection of prices.

It’s well known that insurance companies don’t want you quoting rates from other companies. Consumers who shop rates annually will probably switch companies because there is a good chance of finding more affordable rates. Surprisingly, a recent survey revealed that people who regularly compared rates saved as much as $70 a month compared to those who never shopped for cheaper rates.

If finding low prices for Hummer H3 insurance is your ultimate goal, then understanding how to shop for cheaper coverage can make it easier to shop your coverage around.

The most recommended method to compare insurance rates in your area is to know most of the bigger providers allow for online access to compare their rates. The one thing you need to do is provide the companies a bit of rating information like whether you have decent credit, if a SR-22 is needed, if you have a valid license, and distance driven. Your information gets sent immediately to many different companies and you will receive price estimates within a short period of time.

To start a quote now, click here and complete the form.

The following companies are ready to provide quotes in Kentucky. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them in order to find the lowest rates.

Save with these eight rate reducing discounts

Insurance is not inexpensive, but companies offer discounts to cut the cost considerably. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be inquired about prior to receiving the credit.Discount insurance

Keep in mind that most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance policy, company stockholders wouldn’t be very happy.

The diagram below compares Hummer H3 insurance prices with and without policy discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, multi-policy, claim-free, and homeowner discounts applied.

A few companies that possibly offer these benefits are:

Before you buy a policy, ask all the companies what discounts are available to you. Some discounts listed above may not apply in every state. If you would like to view insurance companies who offer online Hummer H3 insurance quotes in Kentucky, follow this link.

Rates and other information

The coverage information displayed next covers estimates of insurance premium costs for Hummer H3 models. Having a better idea how insurance policy premiums are formulated is important for you to make decisions on which coverage to buy.

Hummer H3 Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $244 $490 $342 $20 $102 $1,198 $100
H3 4WD $244 $490 $342 $20 $102 $1,198 $100
H3 Luxury Package 4WD $244 $490 $342 $20 $102 $1,198 $100
H3 Alpha 4WD $272 $490 $342 $20 $102 $1,226 $102
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific location which can increase or decrease price quotes substantially.

Should you raise deductibles?

One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The rates below may help you to understand the rate fluctuation when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $1,000 deductible.

Hummer H3 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $318 $598 $326 $20 $98 $1,385 $115
H3 4WD $318 $598 $326 $20 $98 $1,385 $115
H3 Luxury Package 4WD $318 $598 $326 $20 $98 $1,385 $115
H3 Alpha 4WD $354 $598 $326 $20 $98 $1,421 $118
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Hummer H3 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
H3 Adventure Package 4WD $176 $316 $326 $20 $98 $936 $78
H3 4WD $176 $316 $326 $20 $98 $936 $78
H3 Luxury Package 4WD $176 $316 $326 $20 $98 $936 $78
H3 Alpha 4WD $196 $316 $326 $20 $98 $956 $80
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in garaging location in Louisville which can change coverage rates considerably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $37 more each month or $444 for a full year across all Hummer H3 models than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 24 months between claims, you would come out ahead if you choose a higher deductible. Here is an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $116
Average monthly premium for $1,000 deductibles (subtract): – $79
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important note is that a higher deductible means you will have to pay more out-of-pocket when you file a claim. It will be required that you have a higher level of savings in order to pay the higher deductible.

The example below highlights how deductible choice and can affect Hummer H3 insurance prices for different age groups. The information is based on a single male driver, full physical damage coverage, and no discounts are factored in.

Getting quotes from local Louisville insurance agencies

A small number of people would rather go talk to an agent. A good thing about price shopping on the web is the fact that drivers can get lower car insurance rates and still have an agent to talk to. And providing support for local insurance agents is definitely important in Louisville.

Find insurance agent in LouisvilleFor easy comparison, once you complete this quick form, your insurance data is immediately sent to agents in your area who will give you bids for your insurance coverage. There is no reason to search for any insurance agencies since price quotes are sent to you directly. You can most likely find cheaper rates without requiring a lot of work. If you have a need to quote rates from one company in particular, just visit that company’s website to submit a rate quote request.

The type of auto insurance agent you choose is important

If you want to use a local Louisville insurance agency, there are a couple of different agency structures and how they are distinctly different. Insurance policy providers can be classified as either independent or exclusive depending on the company they work for.

Independent Insurance Agencies

Agents that elect to be independent do not work for one specific company so they have the ability to put coverage with lots of companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rates, you should always contact a couple of independent agencies to ensure the widest selection of prices. Many can place coverage with less well-known companies who may have lower rates.

Shown below is a short list of independent insurance agents in Louisville that may be able to give comparison quotes.

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Exclusive Agencies

Agents that choose to be exclusive can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. These agents are not able to provide other company’s prices so you need to shop around if the rates are high. They are highly trained in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives primarily because of high brand loyalty and the convenience of having all coverages with one company.

The following are exclusive agents in Louisville that are able to give rate quotes.

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Picking the best insurance agent should depend on more than just a cheap price. Some important questions to ask are:

It’s not one size fits all

Always keep in mind that when comparing coverage online or from an agent, there really is not a best way to insure your cars. Everyone’s situation is unique.Safe vehicles cost less to insure

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Protect more than your Hummer vehicle

Despite the potentially high cost of Hummer H3 insurance, insurance serves several important purposes.

The benefits of buying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $830 a year so you should quote rates every year to save money.

Learn about car insurance coverages for a Hummer H3

Learning about specific coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.


Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/10 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible. Kentucky requires minimum liability limits of 25/50/10 but you should consider buying higher limits.

The next chart demonstrates why low liability limits may not be high enough to cover claims.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Hummer H3.

Since a lot of drivers carry very low liability coverage limits (Kentucky limits are 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your H3 to bring the cost down.

Louisville auto insurance companies ranked

Picking the top car insurance company is difficult considering how many companies are available to choose from in Louisville. The company information displayed below could help you decide which companies you want to consider comparing rate quotes with.

Top Auto Insurance Companies in Louisville
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Cheaper auto insurance is a realistic goal

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone dropped full coverage only to find out that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best possible price while still protecting your assets.

Consumers switch companies for many reasons like delays in responding to claim requests, being labeled a high risk driver, unfair underwriting practices or even an unsatisfactory settlement offer. No matter why you want to switch, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Lower-priced Hummer H3 insurance in Louisville is available both online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and most of the time these small, regional companies only sell coverage through independent agencies.

How to save money on Hummer H3 insurance in Louisville

The preferred way to get the cheapest Hummer H3 insurance in Louisville is to make a habit of regularly comparing prices from providers that sell auto insurance in Kentucky. You can compare prices by following these steps.

One important bit of advice is that you’ll want to compare similar limits and deductibles on every price quote and and to look at as many car insurance companies as possible. This provides an apples-to-apples comparison and a good representation of prices.

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