It’s easy to assume that auto insurance companies don’t want you to look at other companies. Insureds who shop around for cheaper rates are inclined to switch companies because of the good chance of finding coverage at a more affordable price. A study discovered that consumers who shopped around every year saved an average of $850 each year as compared to drivers who never shopped around for cheaper prices.
If finding the most affordable Chevy HHR insurance is why you’re here, then having a good understanding how to shop for coverage rates can help simplify the task of finding more affordable coverage.
The best way to find low-cost prices for Chevy HHR insurance is to start doing an annual price comparison from companies in San Jose.
- Try to learn a little about policy coverages and the things you can control to prevent rate increases. Many things that result in higher prices like tickets, at-fault accidents, and a lousy credit rating can be remedied by making minor changes in your lifestyle.
- Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources. View rates
- Compare the new rates to your existing rates to see if cheaper HHR coverage is available. If you can save some money, verify that coverage does not lapse between policies.
A crucial key to this process is to compare similar limits and deductibles on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this provides an accurate price comparison and a good representation of prices.
If you currently have car insurance, you will surely be able to get lower rates using the ideas presented in this article. Finding and comparing affordable policy in San Jose is quite easy. Although California car owners do need to know how companies compete online and use this information to your advantage.
Most companies give prices direct online. Comparing prices online for Chevy HHR insurance in San Jose is fairly simple as you just type in the coverage amounts you desire as detailed in the form. Once entered, their system sends out for your credit score and driving record and gives you a price quote based on the information you submitted.
Quoting online for Chevy HHR insurance in San Jose makes comparing rates easy, and it is important to compare as many rates as possible if you want to find the most affordable insurance rates.
To save time and compare pricing, compare rates now from the companies shown below. To compare your current rates, we recommend you duplicate your coverages as shown on your current policy. This way, you will have comparison quotes using the exact same coverages.
The providers in the list below provide price comparisons in California. If multiple providers are shown, we suggest you click on several of them to get a more complete price comparison.
Rates and other information
The data table displayed below highlights estimates of insurance prices for Chevy HHR models. Learning more about how policy premiums are calculated can help you make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| HHR LT | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| HHR SS | $300 | $616 | $500 | $30 | $150 | $1,596 | $133 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate information does not factor in zip code location which can revise rates substantially.
Learn How to Lower Your Insurance Prices
When buying car insurance it’s important to understand the different types of things that go into determining your car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in big savings.
The itemized list below are some of the major factors companies use to determine your prices.
Extra coverages can cost a lot – There are many additional coverages that may not really be needed if you aren’t careful. Coverages like rental car coverage, death and dismemberment, and extra life insurance coverage could be just wasting money. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
Do you know you’re credit history? – An insured’s credit score can be a huge factor in calculating your car insurance rates. People that have high credit ratings tend to be less risk to insure than those with lower credit scores. If your credit score is not that good, you could save money insuring your Chevrolet HHR by spending a little time repairing your credit.
Teenagers are high risk – Drivers with little experience tend to be more careless behind the wheel therefore car insurance rates are much higher. Having to add a beginning driver to your car insurance policy can be quite pricey. Mature drivers are more cautious drivers, are lower risk to insure, and are safer drivers.
The following chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Rural areas have lower prices – Residing in areas with lower population has it’s advantages when trying to find low car insurance rates. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and higher rates of accident claims. More time on the road translates into higher accident risk.
File a car insurance claims and pay more – Insurance companies in California award most affordable rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is designed for the large, substantial claims.
Three reasons to not skimp on insurance
Even though it’s not necessarily cheap to insure a Chevy in San Jose, maintaining insurance is not optional due to several reasons.
First, almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, almost every bank will force you to carry insurance to guarantee loan repayment. If you default on your policy, the bank may buy a policy for your Chevy at a significantly higher premium and force you to reimburse them the higher premium.
Third, insurance preserves both your Chevy HHR and your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. But the average American driver is overpaying over $700 annually so compare rates at every renewal to ensure rates are inline.