Find Affordable Hummer H3 Insurance in Oklahoma City

How many times have you told yourself it’s time to shop around for more competitive insurance rates in Oklahoma City, OK? Oklahoma City shoppers have lots of choices when shopping for low-cost Hummer H3 insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to compare rates.

There is a better way to find insurance online and we’ll show you the quickest way to get price quotes on a Hummer and locate the best price possible from Oklahoma City insurance agents and online providers.

The companies shown below offer free rate quotes in Oklahoma City, OK. If multiple companies are listed, it’s a good idea that you get price quotes from several of them to get the best price comparison.

Statistics and details

The rate information displayed below covers estimates of policy rates for Hummer H3 models. Learning more about how insurance prices are established can help drivers make informed coverage decisions.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific garaging location which can impact auto insurance rates noticeably.

Should you raise deductibles?

When buying auto insurance, a common question is which deductibles should you choose. The comparison tables below may help to conceptualize the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase insurance rates significantly.

We can derive from the above data that using a $250 deductible costs roughly $36 more each month or $432 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 21 months between claims, you would save money if you opt for a higher deductible.

One important caveat is that a higher deductible results in having to pay to pay more out-of-pocket when you have to file a claim. You must have some available funds in order to pay the higher deductible in order to repair your vehicle.

Lower-cost Oklahoma City car insurance quotes with discounts

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so the following list contains both the well known and also the lesser-known credits that may apply to you.

• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
• Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.
• Mature Driver Discount – If you’re over the age of 55, you can get a small discount on rates.
• Claim-Free Discount – Good drivers with no accidents pay less as compared to frequent claim filers.
• Own a Home – Just owning your own home can help you save on car insurance because it shows financial diligence.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

The illustration below shows the comparison of Hummer H3 insurance premiums with and without discounts. The data assumes a male driver, no claims or violations, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-car, and multi-policy discounts applied.

A list of car insurance companies and their offered discounts are:

• Farmers Insurance discounts include bundle discounts, business and professional, good student, youthful driver, early shopping, and electronic funds transfer.
• Esurance may include discounts for emergency road assistance, defensive driver, Pac-12 alumni, online quote, anti-theft, online shopper, and good driver.
• State Farm has discounts for multiple policy, driver’s education, passive restraint, accident-free, anti-theft, defensive driving training, and safe vehicle.
• GEICO offers premium reductions for air bags, five-year accident-free, anti-lock brakes, multi-policy, driver training, multi-vehicle, and emergency military deployment.
• Allstate may offer discounts for utility vehicle, anti-theft, early signing, teenSMART discount, and good payer.

If you are trying to find affordable Hummer H3 insurance quotes, ask every insurance company which credits you are entitled to. Depending on the company, some discounts might not be available to policyholders in every state. If you would like to see a list of companies that offer some of these discounts in Oklahoma, click this link.

Protect more than your vehicle

Even though it can be expensive, buying car insurance is required in Oklahoma but also provides important benefits.

• Just about all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to license the vehicle. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Hummer H3 with a loan, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Hummer at a much higher rate and force you to reimburse them for the expensive policy.
• Insurance safeguards not only your Hummer H3 but also your assets. It will also provide coverage for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. As of last year, the average driver in Oklahoma overpays more than $810 a year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.

What is the best car insurance company in Oklahoma City?

Selecting the top insurance provider can be rather challenging considering how many choices you have in Oklahoma. The company rank data in the next section could help you decide which car insurance providers to look at buying from.

Top 10 Oklahoma City Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

When to contact an insurance agency

Many people would rather have an agent’s advice and that is not a bad decision Experienced insurance agents can help you build your policy and give you someone to call. One of the best bonuses of getting online price quotes is you can get the lowest rates and still have an agent to talk to. And providing support for small agencies is still important in Oklahoma City.

To find an agent, once you fill out this quick form, the coverage information is transmitted to companies in Oklahoma City who will give competitive quotes to get your business. You won’t even need to find an agent on your own because quoted prices will be sent immediately to your email address. If for some reason you want to compare prices from a specific insurance company, feel free to find their quoting web page and fill out the quote form the provide.

When looking for a good insurance agency, it helps to know the two different types of agents and how they are distinctly different. Agencies in Oklahoma City can be classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but we need to point out the difference in how they write coverage since it may influence the type of agent you choose.

Independent Agencies or Brokers

Agents that elect to be independent do not work for one specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you can keep the same agent.

If you are trying to find cheaper rates, you will definitely want to compare quotes from several independent insurance agents to have the best price comparison. They also have the ability to place coverage with mutual insurance companies that can offer cheaper rates than bigger companies.

Below are independent agents in Oklahoma City that may be able to provide cheap rate quotes.

• Knight’s Insurance Agency
  3825 NW 23rd St – Oklahoma City, OK 73107 – (405) 946-0111 – View Map
• Freeland Insurance, LLC
  6017 Shiloh Dr – Oklahoma City, OK 73179 – (405) 692-6106 – View Map
• Shelton Agency
  6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include State Farm, Allstate and AAA. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price. Drivers often choose to use an exclusive agent mostly because of the brand name rather than low rates.

Listed below is a short list of exclusive agents in Oklahoma City willing to provide price quotes.

• Mike Earles – State Farm Insurance Agent
  12220 S Western Ave – Oklahoma City, OK 73170 – (405) 691-1115 – View Map
• Bob Stockton – State Farm Insurance Agent
  4625 N May Ave – Oklahoma City, OK 73112 – (405) 943-8373 – View Map
• Allstate Insurance: Eva Herrera
  2519 NW 23rd St #140 – Oklahoma City, OK 73107 – (405) 301-8162 – View Map

More insurance agents

Deciding on an car insurance agent should depend on more than just the quoted price. These are some questions you should get answers to.

• Is the agency covered by Errors and Omissions coverage?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Can they help ensure a fair claim settlement?
• How much will you save each year by using a higher deductible?
• Do they offer claims assistance after hours?
• What kind of financial rating does the company have?
• What insurance company do they write the most business with?