Hummer Auto Insurance: What To Know Before Buying America’s Hippest Road Hog

August 24, 2009
They get less than 15 miles per gallon. Just over six thousand units were sold in 2007 (sales have been dropping since 2002). Tough new emissions laws and a bad economy have made it expensive for GM to keep up. The Hummer SUT holds the number 6 spot on the Insurance Institute for Highway Safety list of Americas top ten most stolen vehicles -- the Hummer H2 holds the number 8 spot. And now, Hummer may very well have one shaky foot in the U.S. and the other in China. But with so many cards stacked against it, Hummer still remains at the top of the list of America's most desired luxury SUVs.

So what does all of this mean for Hummer auto insurance? Plenty. Hummer auto insurance is at an all-time high, beating out the sporty, high-performance Porsche 911 by two spots and the stylish Lexus ISF by one. The average cost to insure a hip Hummer H2 is $1,912 a year. This figure represents the average cost for insurance based on a 40-year-old male driver who commutes 12 miles to work. For $1,912 a year, this driver's policy includes limits of 100/300/50. This means, $100,000 for injury liability for one person; $300,000 for all injuries and $50,000 for property damage in an accident. This policy also includes a $500 deductible on collision and comprehensive, and uninsured motorist coverage. Unfortunately, you will need this amount of coverage (maybe even more) to protect your Hummer in the unfortunate event of an accident, theft, vandalism, damage from harsh elements, and more. Remember, a Hummer H2 can cost up to $70,000 or more, so the buying the bare minimum amount of auto insurance just wont cut it.

Much like auto insurance for the coveted Cadillac Escalade, there is no way around paying a hefty amount to protect your Hummer. Fortunately, there are ways to reduce the hefty amount to a not so overwhelming hefty amount. While Hummer auto insurance is nearly triple the amount of insurance for a Toyota Corolla or a Saturn Vue, it does have some similarities when it comes to securing a discount or two. If you work with some of the nations top auto insurance providers, they may offer certain discounts that could average anywhere from 5%-15% or more off your car insurance.

Because Hummer is listed as one of the nations most stolen cars, you can score some pretty decent discounts for installing extra security features. All Hummers come equipped with OnStar. Bravo OnStar provides top-notch in-vehicle security, but adding an additional alarm system to protect the outside of your car meaning protecting it from theft and vandalism, could have an impact on your premium.

Another way to qualify for a discount on Hummer auto insurance has less to do with the car and more to do with you. Auto insurance companies are more than happy to reward good drivers. If you have avoided traffic accidents and violations for 5 consecutive years prior to applying for insurance, you may be entitled to a 10% discount or more. And finally, if you can spare around eight hours (spread over two sessions) of your time, enroll in a safe driver course. Upon successful completion you will receive a certificate. This certificate can help you save up to 10% (or possibly more) on your Hummer auto insurance. Contact your Department of Motor Vehicles for details on how to enroll.

Tip: Check with Hummer to see if membership in the Hummer Owner Club might entitle you to special offers from auto insurance companies. In some cases, auto insurance companies will contact you directly with offers at lower rates just because you belong to the club.

Michelle Burton is a published author and contributing editor for Auto Insurance Tips, Trouvé Media, Internet Brands, and Publications International, Ltd.

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