Are Your Chevy HHR Auto Insurance Rates Way Too Much?

Buyers have a choice when searching for the lowest priced Chevy HHR insurance. They can either spend hours calling around trying to get quotes or use the internet to make rate comparisons. There is a better way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a new or used Chevy and find the lowest price from local insurance agents and online providers.

Consumers need to shop coverage around occasionally because rates are adjusted regularly by insurance companies. Just because you had the best rates for HHR insurance six months ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance online, so I’m going to show you some tested techniques to reduce your auto insurance bill.

Buying car insurance is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Drivers only need an understanding of the most efficient way to buy auto insurance online.

Finding Auto Insurance

Finding lower auto insurance rates is a fairly straight forward process. You just have to spend a little time to compare rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method prevents you from having to do multiple quote forms to each individual auto insurance company. One quote request compares rates from multiple low-cost companies. Just one form and you’re done.
A more time consuming way to analyze rates requires you to visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from USAA, 21st Century and GEICO. To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
The most time-consuming way to get comparison rates is driving around to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. It is possible to obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you’re using identical coverages and limits with every price quote. If you compare differing limits it will be next to impossible to make an equal comparison.

Chevy HHR insurance premiums are calculated by many factors

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Knowing what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

The following are a few of the “ingredients” auto insurance companies consider when setting premiums.

Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chevy. A few examples of covered claims would be colliding with a building, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The more money you have to pay, the lower your rates will be for HHR insurance.
Frequent auto insurance claims increase rates – Auto insurance companies award discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Your credit rating is important – Having a bad credit history is a large factor in determining what you pay for auto insurance. If your credit rating is not that good, you could be paying less to insure your Chevrolet HHR by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
Your car’s features help determine rates – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Verify you’re getting all your discounts

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Employee of Federal Government – Active or retired federal employment may qualify you for a discount for HHR insurance with certain companies.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Organization Discounts – Being a member of a civic or occupational organization may earn a discount on auto insurance for HHR insurance.
Own a Home – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.
55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for HHR insurance.
Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.

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What coverages do I need?

When it comes to choosing adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

Do I have coverage if my license is suspended?
Can I rate high risk drivers on liability-only vehicles?
Is my business laptop covered if it gets stolen from my vehicle?
Do I qualify for additional discounts?
Is a no-fault state?
Am I getting all the discounts available?
Is my teen driver covered when they drive my company car?
Do I need higher deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Local agents and auto insurance

Some consumers would rather buy from a licensed agent. Good agents can answer important questions and give you someone to call. The biggest benefit of comparing rates online is you can get the lowest rates but also keep your business local.

Once you complete this short form, the coverage information is immediately sent to companies who will give you bids for your insurance coverage. You don’t have to leave your computer because quoted prices will be sent to your email. How cool is that?!

Choosing an insurance company needs to be determined by more than just a low price. Ask your prospective agent these questions:

Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Can glass repairs be made at your home?
Are they properly licensed to sell insurance in your state?
Are you getting all the discounts the company offers?
Are claim adjusters local or do you have to take your car somewhere else?
Is assistance available after office hours?
How long have they worked with personal auto insurance coverage?

Captive and independent insurance agencies

When researching a reliable agent, there are a couple of different agency structures from which to choose. agents are classified as either independent or captive. While both can do a good job, but it’s worth mentioning how they differ since it can impact the selection process.

Agency Captives

Captive agencies are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. They usually cannot place coverage with different providers so they have to upsell other benefits. Captives are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often purchase coverage from captives primarily because of loyalty to the company and the convenience of having all coverages with one company.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s recommended you include price quotes from several independent insurance agents for the best price selection. They often place coverage with different regional companies which can save you money.

For a complete listing of auto insurance agents, click here.

Once you have positive responses to these questions and locked in a price quote, most likely you have located an auto insurance agent that will adequately provide auto insurance.

Buy online or local, you save

Cost effective Chevy HHR insurance can be sourced online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured dropped physical damage coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

We just covered many ideas to lower your Chevy HHR insurance rates. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from a small local company.