Hummer Car Insurance
Every driver behind the wheel of a Hummer, must have Hummer car insurance. Large in size and built to handle almost any task a Hummer is a solid off-road SUV. The original Hummer H1 was designed based on the military's multipurpose vehicle nicknamed the Humvee. These cars are new to the auto market, as they did not roll onto a lot until the early '90s. Even though the Hummer H1, H2 and H3 are relatively new to the market, they are still held to the same standards. To avoid penalties and fines you want to make sure your Hummer auto insurance keeps you covered no matter what. If you start your search for Hummer vehicle insurance early, it will be quick and easy to find a low premium.
Hummer was originally owned and operated by AM General with the Hummer H1 making its way to civilian markets in 1991. However, the first humvee was built for military operations and was designed to carry troop carriers, gun turrets and radar in the 1980s. As a result of the military's newest off-road SUV being so popular, they decided to make a public friendly version. The H1 was designed based on military standards but the following H2 and H3 were based on a smaller civilian car.
Publicity moments such as two matching humvees driven from London to Beijing over rough terrains helped the SUV gain popularity. It would also garner attention as it helped American forces in Operation: Desert Storm. In 1998, General Motors purchased the brand name while AM General still manufactured the Hummers. GM handled the marketing and introduced the H2 and H3 to civilian drivers. However, as oil prices increased in recent years the demand for over-size sports utility vehicles like the Hummer declined.
With General Motors facing bankruptcy in 2009, Hummer was sold to Sichuan Tengzhong Heavy Industrial Machinery Company, a China based company. The deal allows the manufacturing to remain at the two GM plants and keep its headquarters in the United States. Keeping up with the Go Green ideas, GM has begun offering a plug-in hybrid version that will run up to 40 miles per day on its batter alone. Making this large SUV more fuel friendly is a way to attract buyers back to the popular off-road car.
Having Hummer car insurance is not a recommendation, it is a mandate in most states. Knowing what your state mandates for Hummer automobile insurance is the best place to start. Doing a simple search on the Internet will give you a quick result of the top Hummer car insurance providers in your area who offer the lowest premium rates. By understanding what coverage you should choose and learning how to keep your premium rates low, you will be able to find the best deal in Hummer car insurance.
Controlling Your Coverage
Most states keep their mandates to a minimum, meaning they only require general liability coverage. The decision to stick with the minimum or adding coverage is up to the driver. However, if your Hummer is still being financed you may be required to purchase additional insurance coverage to help protect the lender's investment. No matter what car insurance coverage you choose just make sure it follows your state guidelines so you will not have to deal with penalties such as loosing your license because of not having the appropriate Hummer car insurance coverage.
General liability usually involves bodily injury liability and property damage liability. Bodily injury liability covers loss of wages and medical costs for the driver and/or occupants of the other vehicle involved in the car accident. This does not cover your individual costs. If you want a liability coverage that does that, you should look into personal injury protection, which will cover your own medical costs and loss of wages. Property damage liability covers the costs to repair a structure damaged in a car accident such as a house, yard or commercial business.
If you are only going to carry general liability Hummer automobile insurance coverage then it is important to know if your state uses a no-fault or tort system. A no-fault system holds all drivers to be financially responsible for the car accident. A tort system finds which driver is at fault and he or she will be held financially responsible. This is important because liability car insurance only pays out if you are found to be at fault. So if you are in a tort system state and involved in an accident with someone who does not have car insurance you will be forced to pay out of pocket. You will not have any coverage. That is why purchasing additional car insurance is a good idea.
Collision insurance coverage provides assistance if your car is damaged in a car accident. If your car needs to be replaced you will only be reimbursed the blue book value of the car. Comprehensive coverage is more wide spread. It covers costs related to weather damage, fire, and vandalism. Uninsured/underinsured motorist protection is one of the best coverage options. This helps you avoid paying out of pocket if you are involved in a car accident with someone who does not have adequate insurance to cover your cost. Even if you are not found to be at fault for the accident and are in a tort system state, you can use all three types of this coverage unlike liability.
Lower Your Premium Rate
The coverage you choose for your Hummer car insurance will affect your premium rate. You do not have to sacrifice good Hummer vehicle insurance coverage though just to have a lower premium rate. You can lower your rate by keeping a few things in mind. Your Hummer auto insurance rate is also based on your age, gender, location, type of car and driving record. While there is not much you can do to control those factors, there are ways to work them in your favor. For example, if you are a young driver facing high premiums you may be able to take a driver's education course to reduce your premium. In addition, you could limit the amount of nighttime driver for your younger driver to avoid a premium increase.
You can also consider combining insurance policies with one company or putting multiple cars on one policy to receive a discount. Researching what your insurance provider offers in way of incentives is a helpful way to ensure you receive the best premium rate. Keeping your credit score solid will also give you a lower premium rate no matter what type of Hummer car insurance coverage you choose. You can also increase your deductible to lower your rate.
Starting your search for Hummer car insurance, at least a month before your policy ends will give you plenty of time to look around for rates. You want to review what your current provider is offering and compare it with the competition. Even if you stay with your current provider, make sure you are getting the same deals as everyone else if they are applicable. You can use this web site to make your search easy and find the best Hummer car insurance rates.