Best Insurance for a Chevy HHR in Los Angeles

Are you looking for more affordable Chevy HHR insurance in Los Angeles? Paying for overpriced Chevrolet HHR insurance in Los Angeles can drain your accounts and force you to tighten up your finances. Shopping your coverage around can help to ensure you are getting the best deal.

It’s safe to assume that auto insurance companies want to keep you from comparing rates. Consumers who get price quotes annually are very likely to buy a different policy because they have a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that people who compared prices once a year saved $865 a year compared to people who never shopped around for better prices.

If saving money on auto insurance is the reason for your visit, knowing the best way to quote and compare insurance premiums can help make the process easier.

With drivers having so many different company options, it can be challenging to pick the cheapest auto insurance company.

You need to do rate comparisons quite often because auto insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Chevy HHR insurance in Los Angeles a couple years back you will most likely find a better rate quote today. Ignore everything you know about auto insurance because you’re going to learn the best way to remove unneeded coverages and save money.

The best way to get rate comparisons for Chevy HHR insurance in Los Angeles is to understand auto insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide a little information including how your vehicles are used, your occupation, types of safety features, and deductibles desired. That information is instantly submitted to many different companies and they return cost estimate immediately.

If you wish to get multiple quotes for your Chevy HHR now, click here and find out if you can get cheaper insurance in Los Angeles.

The car insurance companies shown below offer price quotes in California. If several companies are displayed, we recommend you compare several of them to get the cheapest price.

Cheaper Chevy HHR insurance rates in Los Angeles

Some providers don’t necessarily list every possible discount in an easy-to-find place, so we researched a few of the more well known and the harder-to-find ways to save on car insurance.

• 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates.
• Home Ownership Discount – Just being a homeowner can get you a discount because it shows financial diligence.
• Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same car insurance company can get a discount for every vehicle.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
• Life Insurance Discount – Not all car insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life policy as well.
• Distant Student – Children who are attending college and do not take a car to college can be insured at a reduced rate.
• Club Memberships – Joining certain professional organizations could qualify you for a break on your next renewal.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy may enable drivers to earn cheaper rates.
• Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course in school or through a local driver safety program.
• Early Signing – Some companies reward drivers for signing up prior to the expiration date on your current HHR insurance policy. It could save around 10% when you buy Los Angeles car insurance online.

One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The chart below shows the difference between Chevy HHR insurance prices with and without discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.

Companies and a summarized list of policyholder discounts are:

• State Farm has discounts for student away at school, accident-free, passive restraint, multiple autos, safe vehicle, multiple policy, and Drive Safe & Save.
• American Family offers discounts including TimeAway discount, multi-vehicle, defensive driver, bundled insurance, mySafetyValet, and good student.
• GEICO may offer discounts for multi-policy, daytime running lights, air bags, anti-theft, membership and employees, emergency military deployment, and driver training.
• 21st Century offers premium reductions for automatic seat belts, anti-lock brakes, teen driver, 55 and older, good student, defensive driver, and theft prevention.
• Progressive may include discounts for continuous coverage, homeowner, online quote discount, online signing, good student, multi-policy, and multi-vehicle.

Before buying, ask all the companies how you can save money. Some discounts might not be offered in Los Angeles. For a list of car insurance companies that offer many of these discounts in California, click this link.

Auto insurance statistics for a Chevy HHR

The data table shown below covers detailed analysis of insurance coverage prices for Chevy HHR models. Being more informed about how insurance quotes are formulated can help customers make decisions when shopping your coverage around.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can increase or decrease auto insurance rates considerably.

Policy deductible comparison

One frequently asked question is how high should the deductibles for physical damage be. The figures shown below can help illustrate the price difference between low and high comp and collision deductibles. The first set of prices uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific location information which can change insurance rates considerably.

Based on this data, using a $100 deductible costs about $32 more each month or $384 annually than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would probably be better off going with the higher deductible. Below is a better example of how you can do this calculation yourself.

Eight Tips to Get Cheaper Los Angeles Insurance Prices

Lots of factors are used when premium rates are determined. Some are obvious like a motor vehicle report, but others are not quite as obvious such as your marital status or your vehicle rating. Part of the car insurance buying process is learning a few of the rating criteria that aid in calculating your car insurance rates. When consumers understand what determines base rates, this enables informed choices that may reward you with cheaper rates.

Age of drivers – Young drivers in California have been known to be easily distracted when driving so they pay higher car insurance rates. Adding a inexperienced driver onto your car insurance can be very expensive. Mature drivers are proven to be safer behind the wheel, file fewer claims, and are generally more financially stable.

The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Increase coverage deductibles to save – Comprehensive and collision coverage deductibles define how much you are willing to pay if the claim is covered. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims would be rear-ending another vehicle, vandalism, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less your company will charge you for insurance.

Marriage is a bonus – Your spouse can get you a discount on your car insurance bill. Having a spouse demonstrates that you tend to be more mature and responsible and statistics show married drivers tend to have fewer serious accidents.

Women pay lower premiums – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean females are better drivers. Females and males cause fender benders at a similar rate, but males cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.

The information below visualizes the comparison of Chevy HHR car insurance costs for male and female drivers. Data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Never let your car insurance policy expire – Letting your insurance expire can be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage will get you fines or a revoked license.

Credit rating impacts premiums – An insured’s credit history is a large factor in calculating your car insurance rates. People that have very high credit ratings tend to be more responsible than drivers with lower ratings. So if your credit history could use some work, you could be paying less to insure your Chevrolet HHR by spending a little time repairing your credit.

Careless drivers pay higher premiums – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers receive lower rates than people who have multiple driving citations. Even one moving violation can increase the cost of insurance substantially. People who have serious tickets like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.

The illustration below highlights how traffic violations and at-fault claims increase Chevy HHR yearly insurance costs for different age groups of insureds. The premiums assume a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Save money by eliminating extra coverages – There are a ton of extra add-on coverages that you can buy if you don’t pay attention. Insurance for things like rental car coverage, better glass coverage, and motor club memberships may be wasting your money. These may sound like a good investment at first, but your money might be better spent on other coverage so consider taking them off your policy.

Get rate quotes but work with a local Los Angeles insurance agent

Some consumers still prefer to buy from a local agent and that can be a smart move One of the best bonuses of getting online price quotes is that you can find better rates and also buy local.

For easy comparison, once you complete this quick form, the coverage information is transmitted to local insurance agents in Los Angeles who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent immediately to your email address. You can find the lowest rates without requiring a lot of work. If you want to quote rates from a specific auto insurance provider, feel free to search and find their rate quote page and fill out their quote form.

Finding the right insurance company requires more thought than just the quoted price. These are some valid questions you should ask.

• Which members of your family are coverage by the policy?
• Is the agency covered by Errors and Omissions coverage?
• If you are a high risk driver, do they have special markets for your coverage?
• Are they giving you every discount you deserve?
• What is the financial rating for the quoted company?
• How long has the business existed?
• Which companies can they place coverage with?

Not all car insurance agents are the same

If you need to find a reliable insurance agent, there are two types of insurance agents and how they function. Auto insurance agents are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

These agents can only write with one company such as AAA, Allstate, and State Farm. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. These agents are usually quite knowledgeable on their company’s products which aids in selling service over price.

Shown below are exclusive insurance agencies in Los Angeles that are able to give price quote information.

View more agents

Independent Auto Insurance Agents

These agents are not employed by one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally and you stay with the same agent. When comparing rate quotes, it’s recommended you get some free quotes from at least one independent agent to ensure the widest selection of prices.

Listed below are independent insurance agents in Los Angeles who can help you get comparison quotes.

View more agents

Once you have received reasonable responses in addition to an acceptable price estimate, chances are good that you have found an insurance agency that can be trusted to provide auto insurance coverage. It’s important to know that once you purchase a policy you can cancel a policy for any reason so never assume that you are permanently stuck with a specific company for the entire policy term.

Don’t give up on cheaper rates

Cheap Chevy HHR insurance in Los Angeles can be purchased on the web and also from your neighborhood Los Angeles agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent agencies.

We’ve covered some good ideas how you can shop for Chevy HHR insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best premium rates are with an unexpected company. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

For more information, feel free to visit the following helpful articles:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has Affordable Car Insurance Rates for Felons in Los Angeles? (FAQ)
• Who Has Cheap Auto Insurance for Unemployed Drivers in Los Angeles? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• What is Covered by GAP Insurance? (Allstate)