Are you doing reasearch to find more competitive insurance rates in Boston, MA? Boston shoppers have many options when shopping for the lowest priced Hummer H3 insurance. They can either waste time contacting agents to compare prices or utilize the internet to make rate comparisons. There are more efficient ways to shop for insurance and we’ll show you the quickest way to compare rates for a new or used Hummer and obtain the best price possible from both online companies and Boston agents.
It’s a good idea to check insurance prices as often as possible since insurance rates change frequently. Despite the fact that you may have had the best rate on Hummer H3 insurance in Boston a few years ago you can probably find a lower rate today. There are lots of tips to save on H3 insurance on the internet, but in just a couple of minutes you can learn some guaranteed methods to buy insurance cheaper in Boston.
The companies shown below provide free rate quotes in Boston, MA. If multiple companies are listed, we suggest you visit several of them in order to find the most affordable rates.
Get cheaper rates by applying these seven discounts
The price of auto insurance can be rather high, but there could be significant discounts that may help make it more affordable. A few discounts will be applied when you quote, but a few must be specifically requested prior to receiving the credit.
- Full Payment Discount – By making one initial payment instead of paying each month you may have a lower total premium amount.
- Auto/Life Discount – Larger insurance carriers have a small discount if you purchase life insurance.
- Accident-Free Discounts – Boston drivers who stay claim-free get the best auto insurance rates compared to drivers who are more careless.
- Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
- Professional Memberships – Participating in a qualifying organization could trigger savings on your policy.
- Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
- Good Grades Discount – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The illustration below illustrates the difference between Hummer H3 premium costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.
To locate companies with significant discounts in Boston, click here to view.
Coverage statistics and figures
The coverage information shown next highlights estimates of insurance costs for Hummer H3 models. Having a good understanding how auto insurance policy rates are formulated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $216 | $380 | $344 | $20 | $104 | $1,064 | $89 |
| H3 4WD | $216 | $380 | $344 | $20 | $104 | $1,064 | $89 |
| H3 Luxury Package 4WD | $216 | $380 | $344 | $20 | $104 | $1,064 | $89 |
| H3 Alpha 4WD | $240 | $380 | $344 | $20 | $104 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific garaging location which can impact prices considerably.
Physical damage deductibles
A question often asked by Boston drivers is how high should the physical damage coverage deductibles be. The comparison tables below illustrate the differences in price when you choose different deductibles. The first data set uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| H3 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| H3 Luxury Package 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| H3 Alpha 4WD | $362 | $612 | $334 | $20 | $100 | $1,453 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| H3 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| H3 Luxury Package 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| H3 Alpha 4WD | $200 | $322 | $334 | $20 | $100 | $976 | $81 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in garaging location in Boston which can modify insurance rates noticeably.
Based on these figures, using a $100 deductible will cost you about $39 more each month or $468 annually than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 23 months between claims, you would come out ahead if you choose the higher deductible.
The information below highlights how deductible selection and can change Hummer H3 yearly insurance costs for different age categories. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.
Rate comparison of men versus women in Boston
The example below illustrates the comparison of Hummer H3 auto insurance costs for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Do you need full coverage?
The illustration below compares Hummer H3 auto insurance costs when comparing full coverage to liability only. The costs are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula to eliminate physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Hummer H3 replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying your policy deductible. If premiums are more than $300 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some scenarios where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Independent versus exclusive insurance agents
A small number of people still prefer to sit down and talk to an agent and doing that can be a smart decision Professional agents can help you build your policy and will help you if you have claims. One of the best bonuses of getting online price quotes is you may find better rates but also keep your business local.
To find an agent, once you fill out this quick form, your coverage information is instantly submitted to agents in your area who will return price quotes to get your business. There is no reason to contact any insurance agencies as quotes are delivered to you. If you need to get a price quote from one company in particular, you can always jump over to their website and submit a quote form there.
Choosing an insurer is decision based upon more than just the price. A good agent in Boston will have answers to these questions.
- Are all drivers listed on the coverage quote?
- Are they full-time agents?
- What are the financial ratings for the companies they represent?
- Do they offer accident forgiveness?
- Does their agency support local causes in Boston?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How much experience to they have in personal lines coverages?
- Are they involved in claim handling?
Boston auto insurance agents are either independent or exclusive
If you are wanting to find a local insurance agency, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Insurance agents can be classified as either independent agents or exclusive agents depending on their employer. Either can sell affordable insurance policies, but it’s a good idea to understand the difference in the companies they write for since it can impact the type of agent you choose.
Exclusive Insurance Agents
Exclusive agents are contracted to one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually well trained on sales techniques and that enables them to sell even at higher rates. Consumers frequently choose to use a exclusive agent primarily because of the brand and the convenience of having a single billing for all their coverages.
Shown below are exclusive agencies in Boston who may provide you with price quote information.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Insurance Agencies
Agents in the independent channel are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and get you the best rates possible. If they find a lower price, they simply move the coverage in-house and you don’t have to do anything.
If you need cheaper insurance rates, you should always get quotes from multiple independent agents for the best price selection. Most can insure with smaller mutual companies which could offer lower prices.
Shown below are Boston independent agents willing to provide comparison quotes.
- Boyd Insurance Agency
296 Bennington St – Boston, MA 02128 – (617) 567-5710 – View Map - Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030 – View Map - Sbhu Life Insurance Agency: Weinstein Keith
28 State St # 25 – Boston, MA 02109 – (617) 570-9519 – View Map
Everyone needs different car insurance coverages
When it comes to buying proper insurance coverage, there really isn’t a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that could help you determine if you could use an agent’s help.
- What is PIP insurance?
- Can I afford to buy a different vehicle if my Hummer H3 is totaled?
- When should I drop full coverage on my Hummer H3?
- Is there coverage for my trailer?
- Do I need motorclub coverage?
- Who sells insurance for high-risk drivers?
- Am I getting all the discounts available?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Insurance just makes sense
Despite the high cost of buying insurance for a Hummer H3 in Boston, insurance is required in Massachusetts but it also protects you in many ways.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a loan, it’s guaranteed your bank will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Hummer at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards both your vehicle and your assets. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is wasting up to $825 a year so smart consumers compare quotes at every renewal to ensure rates are inline.
Auto insurance policy specifics
Having a good grasp of your auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average auto insurance policy.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, rehabilitation expenses, dental work, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like scraping a guard rail, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your H3 in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hail damage, damage from flooding, a tree branch falling on your vehicle and falling objects. 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 it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Hummer H3.
Due to the fact that many Massachusetts drivers only purchase the least amount of liability that is required (Massachusetts limits are 20/40/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Liability insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 20/40/5 that translate to $20,000 bodily injury coverage, $40,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability can pay for things like structural damage, court costs and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible. Massachusetts state minimum liability requirements are 20/40/5 but it’s recommended drivers buy higher limits.
The chart below demonstrates why minimum state limits may not be high enough to cover claims.
Final considerations
We just showed you a lot of tips how to lower your Hummer H3 insurance car insurance rates in Boston. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on auto insurance is with the least-expected company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.
More affordable auto insurance in Boston is available from both online companies and also from your neighborhood Boston agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and these smaller companies work with independent agencies.
As you quote Boston auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest cost while still protecting your assets.
Steps to finding low-cost rates for Hummer H3 insurance in Boston
If you want to save the most money, the best way to get low-cost Hummer H3 insurance is to do an annual price comparison from insurance carriers in Boston.
- First, try to learn about individual coverages and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher rates such as tickets, at-fault accidents, and a poor credit rating can be amended by making minor driving habit or lifestyle changes.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies.
- Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to remember is that you use the same amount of coverage on every price quote and and to get rates from as many carriers as you can. Doing this provides a fair price comparison and a better comparison of the market.
More detailed auto insurance information is located in these articles:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
- What Car Insurance is Cheapest for Good Drivers in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance for Drivers Under 21? (FAQ)
- Who Has the Cheapest Boston Car Insurance Quotes for High School Students? (FAQ)
- Who Has Affordable Car Insurance Rates for Postal Workers in Boston? (FAQ)
- What Car Insurance is Cheapest for Real Estate Agents in Boston? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Boston? (FAQ)
- Winter Driving (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Understanding Limits and Deductibles (Allstate)