Hummer car insurance is a necessity for all Hummer owners. You either bought your Hummer because you wanted to be safe or because you wanted to be flashy, or possibly both. Either way, it is still necessary to properly insure your investment. All 50 states require car insurance and common sense demands it.

Why Size Matters When Pricing Hummer Car Insurance

The sheer size of the Hummer is both helpful and harmful when determining insurance rates. Hummer car insurance is positively affected by the size in that it is less likely to be damaged in an accident. It is hard to damage so much hard steel.

On the flip side, insurance rates go up because of the typical Hummer drivers behavior. According to a 2009 Quality Planning Corporation, the Hummer is the single most ticketed vehicle in the United States. In fact, it is 436% more likely to be issued a citation or ticketed than the average vehicle. Theories about why this is have to do with the experience a Hummer driver is looking for and the fact that the vehicle is so high it might miss common road hazards. Driving a Hummer gives you the same advantages and disadvantages military personnel experience when they drive the original Humvees in combat zones.

Keeping Hummer Car Insurance Rates Down

It is commonly believed among Hummer drivers that there are two main ways to keep your rates down. First, do not use your Hummer as your everyday transportation. Not only is this a bad idea for your fuel budget, but insurers know that the chances of getting tickets and having accidents is higher the more miles you drive. Keep your Hummer as a fun weekend car and your rates will be lower.

You can also keep your rates down by keeping your driving and insurance record as clean as possible. Insurers look at the driving record of all drivers in your house when quoting insurance. By avoiding tickets and driving defensively, you will help avoid high priced car insurance. Your insurance record is another consideration in the price of your coverage. If you make regular small claims on your insurance, you will incur higher rates than someone who does not make claims.

Some people have referred to this car as the Hummer Bummer because it has such high operating costs. Fuel is expensive and this vehicle burns a lot of it. Insurance is expensive because this vehicle costs a lot to repair or replace. You can help reduce some of your costs by purchasing your Hummer car insurance.Click here.