8 Tricks to Pay Lower Chevy HHR Panel Insurance Prices

I can’t think of a single person who looks forward to paying for car insurance, particularly when they are paying too much.

You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to locate the cheapest rates.

Locating cheaper car insurance is easy if you know what you’re doing. Basically, everyone who is required by state law to have car insurance most likely will be able to find better rates. Nevertheless, vehicle owners can benefit by having an understanding of how big insurance companies sell online because it can help you find the best coverage.

Cheap Car Insurance Comparisons

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest Chevy HHR Panel insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to find low rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate quotes to each individual car insurance company. One form submission will return quotes from several companies.
  2. A more time consuming way to analyze rates is to manually visit each company website to request a price quote. For examples sake, we’ll assume you want to compare GEICO, Progressive and Travelers. You would have to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples quote information with every price quote. If you have higher or lower deductibles it’s impossible to decipher which rate is best. Having just a slight variation in limits may result in a large different in cost. And when quoting car insurance, remember that comparing a large number of companies will enable you to find lower pricing.

Don’t pay full price with these discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Most are applied at the time of quoting, but less common discounts must be manually applied in order for you to get them. insurance prices

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Clubs and Organizations – Belonging to a qualifying organization could trigger savings on your policy on HHR Panel insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Life Insurance – Some companies give lower rates if you buy life insurance.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

For a list of companies offering car insurance discounts, click here.

Chevy HHR Panel rates are made up of many parts

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Little extras can really add up – There are many extra coverages that can waste your money on your car insurance policy. Insurance for vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • What are your deductibles? – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chevy. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be on HHR Panel insurance.
  • Marriage pays dividends – Getting married actually saves money on your policy. Marriage means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Better credit means lower rates – A driver’s credit score is a important factor in your rate calculation. So if your credit is lower than you’d like, you could pay less to insure your Chevrolet HHR Panel by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Your job and insurance rates – Jobs such as lawyers, business owners and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, occupations such as pilots, engineers and retirees receive lower rates on HHR Panel insurance.

Ads can be misleading

Car insurance companies such as Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim that you can save if you switch to their company. But how can every company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a driver they prefer could possibly be over the age of 50, owns a home, and drives less than 10,000 miles a year. A propective insured who fits that profile will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much money. That’s why insurance companies can confidently make those claims.

insurance for Chevrolet HHR Panel

This illustrates why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which car insurance company will fit your personal profile best.

More effort can pay off

Cost effective Chevy HHR Panel insurance is available from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.