If you want to find the absolute lowest rates, then the best way to get budget Hummer H3 insurance is to annually compare prices from providers that sell auto insurance in Jacksonville.
- Get a basic knowledge of the different coverages in a policy and the things you can change to prevent expensive coverage. Many rating factors that are responsible for high rates such as tickets, at-fault accidents, and an imperfect credit rating can be eliminated by making small lifestyle or driving habit changes. This article gives more ideas to help keep rates affordable and find missing discounts.
- Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from many different companies.
- Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for the new policy. As soon as you have the new policy, put the new certificate verifying proof of insurance with the vehicle registration.
One bit of advice is to try to use identical deductibles and limits on each price quote and and to look at as many carriers as you can. Doing this ensures an apples-to-apples comparison and the best rate selection.
Unthinkable but true, a large majority of drivers have bought auto insurance from the same company for at least four years, and just short of a majority have never compared rates from other carriers. Consumers in the United States can save hundreds of dollars each year by just comparing rate quotes, but they just assume it’s a time-consuming process to compare rates online.
How to shop Hummer H3 insurance online
The car insurance companies shown below can provide comparison quotes in Jacksonville, FL. If multiple companies are shown, we suggest you get rate quotes from several of them in order to find the cheapest rates.
Insurance rate breakdown
The price information shown next outlines detailed analysis of policy rates for Hummer H3 models. Being more informed about how insurance prices are calculated is important for drivers to make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $364 | $640 | $418 | $24 | $124 | $1,570 | $131 |
| H3 4WD | $364 | $640 | $418 | $24 | $124 | $1,570 | $131 |
| H3 Luxury Package 4WD | $364 | $640 | $418 | $24 | $124 | $1,570 | $131 |
| H3 Alpha 4WD | $406 | $640 | $418 | $24 | $124 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can revise premium rates significantly.
The example below illustrates how choosing a deductible and can influence Hummer H3 insurance premiums for different categories of driver ages. The information is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Driving violations and accidents
The example below highlights how traffic violations and at-fault claims influence Hummer H3 premium costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Shop online but buy locally
Certain consumers just want to buy from a local agent and that can be a smart move Most agents can point out coverage gaps and help you file claims. A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and also buy local. And supporting small agencies is important particularly in Jacksonville.
To help locate an agent, after submitting this quick form, your coverage information is emailed to companies in Jacksonville who can give free rate quotes for your coverage. You won’t even need to even leave your home since price quotes are sent to the email address you provide. If you wish to compare prices from one company in particular, you just need to visit that company’s website and fill out their quote form.
Jacksonville auto insurance agents are either independent or exclusive
If you need to find a reputable insurance agent or broker, it helps to know the two types of insurance agents and how they are slightly different. Auto insurance policy providers can be described as either independent (non-exclusive) or exclusive. Both types of agents can insure your vehicles, but it’s good to learn the subtle differences because it can impact buying decisions.
Independent Auto Insurance Agents
These agents do not write with just one company so they can write business through many companies and help determine which has the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you.
When comparing auto insurance rates, it’s a good idea to compare quotes from a few independent agents for the best price selection.
The following are Jacksonville independent insurance agents who can help you get free auto insurance quotes.
All Lines Insurance Agency
4828 Blanding Blvd Suite 1 – Jacksonville, FL 32210 – (904) 376-7200 – View Map
Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map
State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map
Exclusive Insurance Agencies
Agents of this type can only write with one company and examples are State Farm or Allstate. These agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on their company’s products and that enables them to sell even at higher rates.
The following are exclusive insurance agents in Jacksonville who can help you get price quotes.
Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700 – View Map
Allstate
13947 Beach Blvd #206 – Jacksonville, FL 32224 – (904) 992-0002 – View Map
Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map
Finding the right car insurance agent is decision based upon more than just a cheap price. Any agent in Jacksonville should be forthright in answering these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will your rates increase after a single accident?
- Does the company have a solid financial rating?
- What companies can they write with?
- How experienced are they in personal risk management?