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Concerned with selecting the right kind of auto insurance for your Hummer? We can help get you covered. Here you’ll find plenty of information on Hummer insurance rates, money-saving options, and obtaining comprehensive insurance coverage.
Originally constructed for use by the US military, the Humvee (predecessor to the modern-day “Hummer”) attracted a lot of attention after its use in the Persian Gulf War. Once the war was over, GM began producing smaller, weaponless versions of these vehicles to meet consumer demand back in the United States. Shortly after GM declared bankruptcy in 2009, the Hummer brand was sold to a Chinese auto manufacturing company. Currently, only the H2 and the H3 models are still in production, although the popular H1 Alpha models are still a highly sought after collectible amongst some motorists.
Because the Hummer is modeled after military vehicles which were designed to keep soldiers safe in battle, the commercial version is similarly built like a tank on wheels. This will help you when searching for a car insurance quote. Insurance companies are more likely to charge you a lower premium on vehicles that can survive a collision with less damage than smaller cars or vehicles constructed of flimsier materials.
However, because of the high cost of owning a Hummer and its reputation as a luxurious status symbol, this makes them more costly to insure than other comparable vehicles. Make sure you have the best anti-theft protection that money can buy, and your insurance company may negotiate a lower premium on your Hummer insurance. Since motorists who own Hummers are notoriously aggressive drivers and therefore more likely to get into an accident, your insurance company may guard against the risk by charging you a higher rate. Try taking a defensive driving course or exploring other ways in which you can improve your driving record. Following these steps will help you find a lower quote for your Hummer.
Different states require you to purchase varying amounts of Hummer insurance coverage. Determining whether you live in a tort state or a no-fault state is important; if you get into an automobile accident, determining who is at fault is the most important aspect in determining how much your insurance policy will take care of. Liability insurance will only cover crashes which are your fault.
However, it does not safeguard against theft, weather, vandalism, or any accident for which you are not found responsible. Collision and comprehensive insurance policies will protect you against these situations. You have to balance the risk with the expense when it comes to purchasing coverage. These are all important factors to take into account when searching for a cheap insurance quote.