The H3 is a midsize SUV in Hummer’s lineup. Though it was discontinued in 2009, many still find the Hummer brand very attractive for its bold-looking, army-style cars. However, car buyers should consider the costs of owning a vehicle. Aside from the sticker price, you’ll have to see what fuel economy, insurance rates and other things will be like. Hummers all have a high propensity to eat up inordinate amounts of gas. If you’d like to learn more about saving money on your Hummer H3 Insurance, read on.
The most current H3 is equipped with a 5.3 liter V8 that commands respect. It can get an impressive 300 horse power, and gets from 0-60 mph in 8.8 seconds. The cabin is relatively handsome, and its exterior looks rugged as most Hummers do. In 2008, stability control and curtain airbags became standard for the car, and such amenities as rearview cameras were made available through some of their trim packages. It is a solid performer for a Hummer.
On average, costs insuring an H3 hover at around $110 a month. However, you should always know what factors influence your insurance premium.
The first and perhaps most important risk factor is driving history. If you don’t have any traffic citations or accidents on record, then you’re likely to see lower rates. It denotes you as a conscientious driver and likely means the driver won’t be in future accidents or filing claims.
Another measure of responsibility is one’s credit score. It is a measure of financial responsibility, and gauges your ability to meet financial obligations. In this case, it will indicate to your insurer, that you’re able to make your payments in a timely manner.
Location is another important factor. Is there a high auto theft rate in your area? Is there a high volume of traffic congestion in your area? These factors can make you have a higher than average premium.
In addition to these, age and demographic can also play a role. For example, if you’re under an inexperienced driver under 25, you can see higher rates. Logically, inexperienced drivers will be less equipped to handle situations that can cause accidents. Males have also been proven to have a higher propensity of being in an accident as well.
Safety ratings can help lower your premium. The 2010 H3 has been given 5/5 stars for driver safety by the federal government. In addition to this, it’s received 4/5 stars in passenger safety crash tests. It’s performed admirably in every crash test, except its rollover crash test. Results for that test were troubling.
The IIHS has not rated the H3 completely. The 2009 received scores of Acceptable in front and side impact tests, and poor in rear crash tests. It does, however, have a variety of safety features that should put you at ease.
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