All vehicles are classed according to their performance and what they are used for. The rate for my Hummer is basically the same as my Dodge Dakota which surprised me really. I thought that the Hummer would be rated a little higher because of their offroad capabilities. Also, it depends on how you use your vehicle. Driving to work versus pleasure use. Annual mileage also plays a factor. Their are tons of ways to lower your premium. Just so you know I'm an insurance agent. 
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H3 Black Lux, ebony leather, sunroof, monsoon, XM, 6 disc changer, DVD players in headrest, trailering equipment, chrome appearance
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