It’s well known that car insurance companies want to keep your business as long as possible. Consumers who do rate comparisons will probably switch to a new company because of the high probability of finding a lower-priced policy. A study showed that drivers who shopped around annually saved an average of $3,450 over four years as compared to drivers who never shopped around.
If finding the cheapest rates on auto insurance in Irvine is your ultimate goal, then knowing the best way to quote and compare insurance coverage can save money and time.
If you want to find the absolute lowest rates, then the best way to get more affordable Hummer H3 insurance is to compare prices at least once a year from providers who sell auto insurance in Irvine. This can be done by completing these steps.
- First, read about car insurance and the steps you can take to keep rates in check. Many risk factors that result in higher prices such as speeding tickets, accidents and a substandard credit history can be remedied by making minor changes to your lifestyle. Continue reading for more information to help reduce prices and find additional discounts you may qualify for.
- Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agents can quote prices for a wide range of insurance providers. View rates
- Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find better rates, ensure there is no coverage lapse between policies.
- Fourth, provide proper notification to your current company of your intent to cancel your current coverage and submit any necessary down payment along with the completed application to the newly selected company. Once coverage is bound, store the certificate of insurance in an accessible location in your vehicle.
One key aspect of rate comparisons is to make sure you’re comparing the same deductibles and limits on every quote and and to look at as many companies as possible. This ensures an accurate price comparison and a complete price analysis.
If you have insurance now, you will definitely be able to lower your rates using the tips covered below. Quoting affordable policy in Irvine is not as difficult as people think. But California vehicle owners benefit from understanding how companies price online insurance and apply this information to your search.
Insurance discounts are available to get cheap rates
Some insurers don’t necessarily list every discount in a way that’s easy to find, so the list below details some of the best known and also the lesser-known credits that may apply to you.
- Auto/Life Discount – Select insurance companies reward you with better prices if you take out a life insurance policy as well.
- Passive Restraint Discount – Vehicles with factory air bags may qualify for discounts of up to 25% or more.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
- Renewal Discounts – Some larger companies give discounts for buying a policy prior to the expiration date on your current H3 insurance policy. It’s a savings of about 10%.
- Bundle and Save – If you can bundle your auto and homeowners insurance with one insurance company you will save up to 20% and get you low cost Hummer H3 insurance.
Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will bring down your policy premium.
The illustration below shows the difference between Hummer H3 insurance costs with and without discounts applied. The premium estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, claim-free, and safe-driver discounts applied.
Companies and their offered discounts can be found below.
- Travelers has savings for good student, multi-policy, early quote, student away at school, multi-car, save driver, and home ownership.
- 21st Century offers discounts including good student, automatic seat belts, homeowners, student driver, air bags, and 55 and older.
- State Farm may offer discounts for good student, driver’s education, safe vehicle, good driver, and Steer Clear safe driver discount.
- GEICO policyholders can earn discounts including defensive driver, emergency military deployment, anti-theft, multi-vehicle, five-year accident-free, anti-lock brakes, and driver training.
- SAFECO has discounts for teen safe driver, homeowner, anti-theft, multi-car, anti-lock brakes, and drive less.
- AAA offers premium reductions for good student, good driver, anti-theft, AAA membership discount, and education and occupation.
If you want affordable Irvine auto insurance quotes, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your area. To see companies who offer online Hummer H3 insurance quotes in California, click here.
Shop Hummer H3 insurance online
Just keep in mind that having more price comparisons helps increase your odds of locating better pricing.
The companies in the list below can provide price comparisons in Irvine, CA. To get cheap auto insurance in CA, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Hummer H3 insurance charts and tables
The table shown next showcases detailed analysis of coverage prices for Hummer H3 models. Learning how insurance prices are established is important for making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| H3 4WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| H3 Luxury Package 4WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| H3 Alpha 4WD | $228 | $418 | $464 | $28 | $138 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can impact prices significantly.
Deductible analysis
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates shown below outline the premium difference between high and low deductibles. The first table uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| H3 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| H3 Luxury Package 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| H3 Alpha 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| H3 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| H3 Luxury Package 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| H3 Alpha 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in garaging location in Irvine which can affect premium rates significantly.
Based on these figures, using a $250 deductible could cost the average driver approximately $36 more each month or $432 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 21 months between claim filings, you would probably come out ahead if you choose a higher deductible.
The example below illustrates how choosing a deductible and can change Hummer H3 insurance premiums for different insured age categories. The premiums assume a married female driver, full coverage, and no policy discounts are applied.
Male drivers compared to female drivers
The example below illustrates the difference between Hummer H3 premium costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
How do I know if I need professional advice?
When selecting insurance from an agent or online for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that.
For example, these questions might help in determining whether you would benefit from professional advice.
- Can my babysitter drive my car?
- Is my custom stereo system covered?
- Can I use my car for my catering business?
- How can I force my company to pay a claim?
- Why do I only qualify for high-risk insurance?
- Is my ex-spouse still covered by my policy?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
What if I want to buy from local Irvine auto insurance agents?
Some consumers would rather sit down with an agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is you can get lower prices and still have a local agent. And buying from local insurance agencies is definitely important in Irvine.
By using this simple form, your insurance coverage information gets sent to local insurance agents in Irvine that can give you free Irvine auto insurance quotes for your coverage. You won’t need to find an agent on your own due to the fact that quote results will go immediately to you. It’s the lowest rates and a licensed agent to talk to. If you want to quote rates from a particular provider, you can always visit that company’s website to submit a rate quote request.
How to choose the best auto insurance agent in Irvine
If you prefer to buy auto insurance from a local insurance agency, it’s helpful to know the types of agencies and how they operate. Agents are classified as either exclusive or independent (non-exclusive).
Independent Auto Insurance Agents
Agents of this type are not required to write business for one company so they can write business amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply switch companies in-house and that require little work on your part.
If you are trying to find cheaper rates, you will want to get insurance quotes from independent agents to have the most options to choose from. Most also have access to additional companies that you may not be familiar with which could offer lower prices.
Below is a short list of independent insurance agencies in Irvine that may be able to provide free rate quotes.
- Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map - Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map - Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot shop your coverage around so they really need to provide good service. These agents receive extensive training on their products and sales techniques which helps them compete with independent agents. Consumers often purchase coverage from exclusives mostly because of the prominence of the brand instead of buying on price only.
The following are exclusive insurance agencies in Irvine that can give you price quote information.
- Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 – View Map - Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map - Farmers Insurance: James Lohse
4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map
Finding a good insurance agent requires more thought than just the quoted price. Agents should be asked these questions:
- Can glass repairs be made at your home?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they offer rental car reimbursement?
- What insurance companies do they recommend if they are an independent agent?
- Are aftermarket or OEM parts used to repair vehicles?
- What kind of financial rating does the company have?
Persistence pays off
When shopping online for insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced full coverage only to regret that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.
We’ve covered some good ideas how to get a better price on Hummer H3 insurance in Irvine. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding the cheapest Hummer H3 rate quotes. You may even find the biggest savings come from a small mutual company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
Even more information is located in the articles below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Insurance is Cheapest for High Mileage Drivers in Irvine? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in Irvine? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Dodge Grand Caravan in Irvine? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)