Car owners new to comparing rates online can find locating the cheapest Hummer H2 insurance in Austin is harder than they anticipated.
Shocking but true, a large majority of drivers renewed their policy with the same company for at least the last four years, and nearly half have never even shopped around for cheap coverage. U.S. consumers could save themselves up to 46.5% a year just by shopping around, but they think it’s difficult to find cheap rates by getting comparison quotes.
Affordable companies for Hummer H2 insurance
The providers in the list below are our best choices to provide comparison quotes in Austin, TX. If multiple companies are shown, we recommend you get rate quotes from several of them to get the best price comparison.
Get discounts on Austin insurance
Companies that sell car insurance don’t always advertise all possible discounts in a way that’s easy to find, so we break down both well-publicized as well as some of the hidden credits available to you.
- Renewal Discounts – A few insurance companies offer discounts for renewing your policy before your current H2 insurance policy expires. The savings is around 10%.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower insurance rates.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it will make them better drivers and lower rates.
- Multi-Vehicle Discounts – Drivers who insure multiple cars on one policy can reduce rates for all insured vehicles.
- Fewer Miles Equal More Savings – Keeping the miles down on your Hummer may enable drivers to earn cheaper rates.
As a sidenote, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.
For a list of insurers that offer many of these discounts in Texas, follow this link.
Auto insurance is unique, just like you
When buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.
For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.
- Do I need special endorsements for business use of my vehicle?
- Can my babysitter drive my car?
- When can I cancel my policy?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Am I covered if I hit someone who is not insured?
- Can my babysitter drive my car?
- What are the liability requirements in my state?
- Are rental cars covered under my policy?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.
Compare rate quotes but buy from a neighborhood Austin auto insurance agent
Some people would rather sit down and talk to an agent and there is nothing wrong with that. One of the benefits of comparing insurance prices online is you can get cheap rate quotes and also buy local.
Upon completion of this quick form, your information is emailed to agents in your area that provide free Austin car insurance quotes for your coverage. You won’t even need to search for an agent since price quotes are sent directly to your email. You can find lower rates AND a local agent. If you need to quote rates for a specific company, just search and find their rate quote page and fill out the quote form the provide.
Selecting a insurer should depend on more than just a cheap quote. These are some valid questions you should ask.
- Will the quote change when the policy is issued?
- Does the agent help file claims?
- Does the company have a local claim office in Austin?
- When do they do policy reviews?
- Will the company cover a rental car if your car is getting fixed?
- How much training do they have in personal risk management?
Types of auto insurance agents in Austin
When finding a local Austin insurance agent, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Agencies in Austin can be described as either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on sales techniques and that enables them to sell even at higher rates. Some people will only buy from exclusive agents mainly due to loyalty to the company and the convenience of having all coverages with one company.
Listed below is a list of exclusive insurance agencies in Austin that are able to give rate quotes.
- Brandy Whiteside – State Farm Insurance Agent
3601 W William Cannon Dr #100 – Austin, TX 78749 – (512) 892-5542 – View Map
- Gary Shanahan – State Farm Insurance Agent
5145 N FM 620 b170 – Austin, TX 78732 – (512) 458-2593 – View Map
- Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Independent Insurance Agents
Independent agencies are appointed with more than one company and that enables them to quote your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, an independent agent can move your coverage without you having to go to a different agency.
If you are comparing auto insurance prices, we recommend you compare prices from several independent agencies to maximize your price options. Many independent agencies also insure through additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below are independent agencies in Austin willing to provide comparison quotes.
- Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
- AmeriFirst Insurance Agency, LLC
8300 N Mopac Expy #105 – Austin, TX 78759 – (512) 524-8808 – View Map
- Stuart Butts Agency Nationwide – Lezam insurance
700 Rio Grande St c – Austin, TX 78701 – (512) 837-5000 – View Map
Can you really save $455 a year?
Well-known insurance companies like State Farm and Allstate constantly bombard you with ads on TV and radio. They all make the same claim about how much you will save if you switch to their company. How does each company charge you a lower premium?
Many companies look for specific characteristics for the type of driver that will add to their bottom line. For instance, this type of insured might be over age 30, owns a home, and drives a lower-performance vehicle. Someone that hits that “sweet spot” receive the lowest rate quotes in Austin and have a good chance to cut their Hummer H2 insurance rates if they switch.
Consumers who fall short of those standards will have to pay a higher rate and this can result in the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save that much when switching. That’s why companies can make claims like that. Different companies use different criteria so you should get Austin car insurance quotes as often as possible. It is impossible to predict which insurance company will be your best fit.
Car insurance 101
Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 30/60/25 which stand for a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for things such as legal defense fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy higher limits.
Collision coverages – Collision insurance covers damage to your H2 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible on your H2 in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hitting a deer, damage from flooding and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
One last note
People leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, denial of a claim or even lack of trust in their agent. Whatever your reason, finding a great new company is not as hard as you think.
Affordable Hummer H2 insurance in Austin can be sourced on the web and with local Austin insurance agents, so you need to shop Austin car insurance with both to have the best selection. Some insurance providers do not provide price quotes online and many times these regional carriers work with local independent agencies.
When getting Austin car insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
- What is Gap Insurance? (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Single Moms in Austin? (FAQ)
- How Much are Auto Insurance Rates for High School Students in Austin? (FAQ)
- How Much are Auto Insurance Rates for Drivers Over Age 60 in Austin? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)
- Understanding Limits and Deductibles (Allstate)