Would you like to save money by finding the cheapest Hummer H3 insurance in Chicago? Nobody I know likes having to buy car insurance, especially knowing they could find better rates elsewhere.
Sad but true, almost 70% of insureds have stayed with the same insurance company for at least four years, and approximately 40% of consumers have never compared rates with other companies. Drivers in Chicago could save about 40% every year by just shopping around, but they just don’t understand how much money they would save if they swap their current policy for a cheaper one. There is such a variety of car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, more options can take longer to compare rates and cut insurance costs.
Locating the best insurance company for you in Chicago is really quite easy. If you have a current car insurance policy or are just looking to switch companies, you can learn to get lower rates without reducing protection. Vehicle owners only have to learn the fastest way to shop from multiple carriers.
All the larger car insurance companies provide prices on their websites. Comparing Hummer H3 insurance rates online is quite simple as you simply type in your personal and coverage information into the form. When the form is submitted, the system will order your driving and credit reports and returns pricing information based on these factors. Being able to quote online for Hummer H3 insurance in Chicago makes it a lot easier to compare rates and it’s also necessary to have as many quotes as possible if you are searching for a lower rate.
To get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you enter the limits and deductibles exactly as they are listed on your policy. Doing this assures you will get a rate comparison using the exact same coverages.
The following companies are ready to provide price quotes in Chicago, IL. If several companies are displayed, it’s highly recommended you click on several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $196 | $412 | $294 | $18 | $88 | $1,008 | $84 |
| H3 4WD | $156 | $310 | $352 | $20 | $106 | $944 | $79 |
| H3 Luxury Package 4WD | $196 | $392 | $274 | $16 | $82 | $960 | $80 |
| H3 Alpha 4WD | $158 | $268 | $246 | $14 | $74 | $760 | $63 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates significantly.
Auto insurance deductibles
The diagram below illustrates how your choice of deductibles and can affect Hummer H3 insurance premiums for different age groups of insureds. The information is based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Impact of age and gender on auto insurance rates
The diagram below illustrates the comparison of Hummer H3 car insurance costs for male and female drivers. The prices are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
How violations and accidents impact rates
The diagram below illustrates how traffic citations and at-fault fender-benders drive up Hummer H3 car insurance rates for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Earn discounts on Chicago car insurance
Insurance can be prohibitively expensive, but you might find some hidden discounts to help offset the cost. Some of these discounts will be visible when you get a quote, but some may not be applied and must be inquired about prior to receiving the credit.
- Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy life insurance from them.
- Bundle and Save – If you combine your home and auto policies with one insurance company you may earn over 10 percent off each policy depending on the company.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
- Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Military Deployment Discount – Being deployed with a military unit may lower your premium rates slightly.
- Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Chicago Homeowners Discount – Just being a homeowner may earn you a small savings because it is proof that your finances are in order.
A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, it doesn’t quite work that way.
Popular car insurance companies and their offered discounts are shown below.
- The Hartford offers discounts for vehicle fuel type, bundle, air bag, defensive driver, and driver training.
- American Family may offer discounts for multi-vehicle, air bags, good student, Steer into Savings, defensive driver, and accident-free.
- Progressive has discounts for continuous coverage, online quote discount, multi-vehicle, good student, and homeowner.
- Travelers discounts include IntelliDrive, student away at school, continuous insurance, good student, and payment discounts.
- Farmers Insurance includes discounts for teen driver, bundle discounts, electronic funds transfer, multi-car, and mature driver.
- USAA may have discounts that include new vehicle, defensive driver, multi-policy, good student, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including teen driver discount, exclusive group savings, newly retired, preferred payment discount, newly married, multi-car, and hybrid vehicle.
If you are trying to find affordable Hummer H3 insurance quotes, ask each company or agent which discounts can lower your rates. A few discounts may not be available in Chicago. To see a list of providers offering car insurance discounts in Illinois, click this link.
Comparing prices from local Chicago car insurance agents
Many people prefer to sit down and talk to an agent and that is a smart decision Good agents are trained to spot inefficiencies and help you file claims. One of the benefits of price shopping on the web is that you can find the best rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, the coverage information is submitted to participating agents in Chicago who will give you bids for your business. There is no reason to contact any insurance agencies because prices are sent instantly to you. If you wish to get a rate quote for a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.
Picking the best insurer should depend on more than just a cheap price. You should also get answers to these questions.
- If independent agents, which companies do they recommend?
- Do the companies they represent have a solid financial rating?
- Can they help ensure a fair claim settlement?
- Is there a local claims center in Chicago?
- Do they prorate repair cost based on vehicle mileage?
- Are there any discounts that you might be missing?
- Are they involved in claim handling?
When finding a local Chicago insurance agency, there are a couple of different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies can be described as either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it’s worth mentioning the subtle differences since it could factor into your selection of an agent.
Exclusive Car Insurance Agencies
Exclusive agencies have only one company to place business with and some examples include Allstate and State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies are usually well trained on the products they sell which aids in selling service over price.
Shown below are Chicago exclusive insurance agencies that are able to give comparison quotes.
Mike Matkowskyj – State Farm Insurance Agent
2452 W Chicago Ave – Chicago, IL 60622 – (773) 486-4444 – View Map
Vivian Valtas – State Farm Insurance Agent
6108 S Archer Ave – Chicago, IL 60638 – (773) 582-3322 – View Map
John Kim – State Farm Insurance Agent
5700 N Lincoln Ave #209 – Chicago, IL 60659 – (773) 561-1700 – View Map
Independent Agencies or Brokers
Independent agents are normally appointed by many insurers and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage and you don’t have to switch agencies. If you need lower rates, you will want to get several quotes from at a minimum one independent agency in order to have the best price comparison.
The following are independent agencies in Chicago willing to provide price quote information.
Edwards Insurance Agency, Inc.
11113 S Kedzie Ave – Chicago, IL 60655 – (773) 396-5526 – View Map
Northwest Insurance Network
330 S Wells St #1600 – Chicago, IL 60606 – (312) 427-1777 – View Map
AArdvark Insurance Agency
1228 W Wilson Ave – Chicago, IL 60640 – (773) 961-8781 – View Map
Lower the Price of Car Insurance with These Tips
It’s important that you understand some of the elements that play a part in calculating car insurance rates. If you know what determines premiums, this enables informed choices that will entitle you to big savings. Many things are part of the equation when premium rates are determined. A few of the factors are predictable like your driving record, but some are not quite as obvious such as your marital status or your commute time.
Rates go up with performance – The type of vehicle you are buying insurance for makes a significant difference in your auto insurance rates. Since the Hummer H3 falls in the standard SUV class, insuring your vehicle will cost slightly more than the average rate where you live in Chicago. Lower cost passenger models receive the most favorable rates, but many other things help determine your insurance rates.
Employer stress can affect prices – Occupations like fire fighters, business owners and accountants generally pay higher rates than the rest of us in part from intense work situations and lengthy work days. On the flip side, careers like actors, historians and retirees pay the least.
Safer cars save money – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety reduce injuries and any reduction in injury severity translates directly to fewer claims and thus lower rates.
Traffic violations will cost you – Having a clean driving record impacts your car insurance rates tremendously. Good drivers get better rates than their less careful counterparts. Even one chargeable violation may cause rates to rise by as much as thirty percent. Drivers with multiple citations like hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Adjust comp and collision deductibles and save – Deductibles for physical damage state the amount of money you are required to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more you have to pay, the better rate you will receive.
Buying the right Hummer vehicle insurance in Illinois is an important decision
Despite the high cost, insurance is required for several reasons.
- Just about all states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to drive the car. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Hummer H3, most lenders will require you to have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Hummer at a much higher rate and require you to reimburse them for the expensive policy.
- Insurance safeguards your Hummer H3 and your assets. It will also cover all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $869 every year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.
Affordable insurance is out there
Throughout this article, we presented a lot of tips how to shop for Hummer H3 insurance online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.
The cheapest Hummer H3 insurance in Chicago is attainable both online and from local insurance agents, so you should compare both to have the best selection. Some insurance companies may not offer internet price quotes and many times these smaller companies prefer to sell through local independent agents.
When getting Chicago auto insurance quotes online, never reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage and learned later that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
Even more information can be read at these sites:
- What is a Telematics Device? (Allstate)
- Who Has Affordable Car Insurance Rates for a Hyundai Elantra in Chicago? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Teen Driving and Texting (State Farm)
- Understanding Car Crashes Video (iihs.org)
- What is Full Coverage? (Allstate)