It takes a few minutes, but the best way to get low-cost Hummer H2 insurance in Lexington is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Kentucky. Rates can be compared by following these steps.
First, learn about car insurance and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher rates like your driving record and a substandard credit history can be rectified by making minor changes to your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the new rate quotes to your existing rates and determine if cheaper H2 coverage is available. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
Fourth, tell your current company of your decision to cancel the current policy and submit a down payment and signed policy application to the new insurer. Once the application is submitted, put the new certificate verifying coverage with the vehicle registration.
The critical component of shopping around is to use the same physical damage deductibles and liability limits on every price quote and and to get quotes from every company you can. Doing this guarantees a fair price comparison and many rates to choose from.
Unimaginable but true, almost 70% of insureds renewed their policy with the same company for at least four years, and almost 40% of drivers have never compared quotes from other companies. Kentucky drivers can save hundreds of dollars each year by just shopping around, but they feel it’s too difficult to go online and compare rates.
If you’re already insured or just want to save money, use these cost-cutting techniques to buy cheaper auto insurance and still get good coverage. These techniques will familiarize you with how insurance works and how you can save the most money. Smart shoppers just have to understand the tricks to compare price quotes online.
Affordable companies for Hummer H2 insurance in Kentucky
The companies shown below are our best choices to provide price quotes in Kentucky. To find the best cheap car insurance in KY, we recommend you visit two to three different companies to find the lowest car insurance rates.
Save money by taking advantage of these nine discounts
Car insurance is not inexpensive, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specifically requested prior to getting the savings.
- Responsible Driver Discounts – Insureds without accidents may receive a discount up to 45% than drivers with accident claims.
- Low Mileage Discounts – Low annual miles could qualify for cheaper rates.
- Professional Memberships – Joining a qualifying organization is a simple method to lower premiums on your next car insurance statement.
- First Accident Forgiveness – This one is not really a discount per se, but some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
- E-sign – Some car insurance companies will provide an incentive for buying your policy online.
- Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% with a few car insurance companies.
- Defensive Driver Discounts – Passing a course that instructs on driving safety is a good idea and can lower rates if you qualify.
- Lower Rates for Military – Being on active duty in the military could qualify you for better car insurance rates.
A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will cut the cost of coverage.
A few companies that may offer these benefits include:
If you need affordable Hummer H2 insurance quotes, ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your state. If you would like to choose from a list of car insurance companies who offer cheap Hummer H2 insurance quotes in Kentucky, click here to view.
Car insurance agents can give valuable advice
Many people would rather go talk to an agent and that is OK! Professional agents can help determine the best coverages and help file insurance claims. A good thing about comparing insurance prices online is that you can find lower rates and also buy local. Buying insurance from local agencies is definitely important in Lexington.
Upon completion of this short form, your insurance data is immediately sent to companies in Lexington who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because quoted prices will be sent immediately to your email address. If you have a need to compare rates for a specific company, you just need to jump over to their website and fill out their quote form.
If you would like to find a local Lexington insurance agent, it’s important to understand the different types of agents and how they can write your policy. Auto insurance agents in Lexington are classified as either exclusive or independent. Both can properly insure your vehicles, but it’s important to point out how they differ since it can impact your selection of an agent.
Independent Agents (or Brokers)
Independent agencies often have affiliation with several companies so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If your premiums go up, your policy is moved internally and you stay with the same agent. When searching for an agent, you need to get several quotes from multiple independent agents to have the best price comparison. Most also have access to smaller regional carriers which can be an advantage.
Listed below are independent agents in Lexington who can help you get free auto insurance quotes.
- Kent Smith Insurance / The Randolph Scott Agency
1025 Dove Run Rd #302 – Lexington, KY 40502 – (859) 225-5616 – View Map
- Boggs Insurance Agency, Inc.
1353 W Main St # 2 – Lexington, KY 40508 – (859) 977-2055 – View Map
- Keystone Sills Insurance Agency
210 Malabu Dr – Lexington, KY 40502 – (859) 276-1881 – View Map
Exclusive Auto Insurance Agents
Agents in the exclusive channel can only place business with one company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are trained well on what they offer which helps them compete with independent agents. Consumers frequently buy from the same agent for years mainly due to the brand name and the convenience of having a single billing for all their coverages.
Shown below are exclusive agents in Lexington willing to provide comparison quotes.
- Russ Tucker – State Farm Insurance Agent
1206 N Broadway – Lexington, KY 40505 – (859) 259-0404 – View Map
- State Farm: Clint Conrad
201 Ruccio Way #120 – Lexington, KY 40503 – (859) 276-4366 – View Map
- State Farm: Mike Brownell
501 Darby Creek Rd – Lexington, KY 40509 – (859) 543-8454 – View Map
Finding the right insurance agent shouldn’t rely on just a cheap quote. A good agent in Lexington will have answers to these questions.
- How long has the business existed?
- Which companies do they recommend if they are an independent agency?
- Do the agents have professional certifications like CPCU or CIC?
- Who are their largest clients?
- Are aftermarket or OEM parts used to repair vehicles?
- Are claim adjusters local or do you have to take your car somewhere else?
Kentucky car insurance companies
Ending up with a high-quality company is difficult considering how many choices drivers have in Lexington. The ranking information shown next could help you pick which car insurance companies you want to consider purchasing coverage from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Which is the best insurance?
Keep in mind that when it comes to choosing adequate coverage, there really isn’t a one size fits all plan. Every insured’s situation is different and your policy should reflect that.
Here are some questions about coverages that could help you determine if you will benefit from professional help.
- What is the rate difference between pleasure use and commuting?
- Are my custom wheels covered?
- Do I need more liability coverage?
- How high should deductibles be on a Hummer H2?
- Is business equipment covered while in my vehicle?
- Do I need replacement cost coverage on my Hummer H2?
- When should I buy a commercial auto policy?
- How high should my medical payments coverage be?
- Are all vehicle passengers covered by medical payments coverage?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Parts of your insurance policy
Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, nursing services, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured and underinsured coverage
This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (Kentucky limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as theft, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto collision coverage
This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as crashing into a building, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your H2 to get cheaper collision coverage.
Coverage for liability
This will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/10 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like structural damage, court costs, attorney fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford. Kentucky state law requires minimum liability limits of 25/50/10 but you should think about purchasing better liability coverage.
The chart below shows why buying the state minimum limits may not be enough.
A little work can save a LOT of money
We just covered a lot of tips how to reduce Hummer H2 insurance rates online in Lexington. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with some of the smallest insurance companies. They may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.
There are still a few companies who may not provide online rate quotes and these smaller companies provide coverage only through independent insurance agents. More affordable insurance in Lexington can be purchased on the web as well as from independent agents in Lexington, so you should be comparing quotes from both so you have a total pricing picture.
More information is available at the links below
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Cheap Auto Insurance Rates for a GMC Sierra in Lexington? (FAQ)
- How Much is Lexington Auto Insurance for Police Officers? (FAQ)
- Who Has the Cheapest Lexington Auto Insurance for a Dodge Grand Caravan? (FAQ)
- How Much are Car Insurance Quotes for a Toyota Corolla in Lexington? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Lexington? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- How do I File a Claim? (Insurance Information Institute)