Car Insurance Quotes for a Chevy HHR in Pittsburgh

It’s an obvious statement that auto insurance companies don’t want you to look at other companies. Insureds who compare other rates will most likely buy a different policy because the odds are good of finding a more affordable policy premium. A recent study showed that consumers who make a habit of shopping around saved approximately $3,450 over four years compared to those who don’t make a habit of comparing rates.

If finding the lowest price for Chevy HHR insurance is your goal, then learning about how to quote prices and compare insurance can help simplify the process.

The most effective way to find discount car insurance rates is to start doing an annual price comparison from insurance carriers who can sell car insurance in Pittsburgh.

• Step 1: Take a few minutes and learn about individual coverages and the changes you can make to prevent high rates. Many policy risk factors that increase rates like high-risk driving behaviors and poor credit history can be eliminated by making lifestyle changes or driving safer. Read the full article for information to get low prices and find possible discounts that are available.
• Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple sources.
• Step 3: Compare the quotes to your existing rates to determine if you can save on HHR insurance. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.

A good piece of advice is to try to use the same level of coverage on each quote request and and to get prices from every company you can. This helps ensure an apples-to-apples comparison and a complete price analysis.

Rate information and statistics

The table displayed below highlights different insurance policy prices for Chevy HHR models. Understanding how insurance prices are figured is important for you to make smart choices when purchasing an insurance policy.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can affect price quotes considerably.

Physical damage deductible comparison

When shopping for car insurance, a common question is which deductibles should you choose. The rates below help summarize how much more rates are when you choose different comp and collision deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Pittsburgh which can increase or decrease premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $26 more each month or $312 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 29 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Violations and accidents raise rates

The chart below demonstrates how speeding tickets and at-fault fender-benders can drive up Chevy HHR insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Informed Drivers Can Lower Insurance Rates

Lots of factors are used when pricing auto insurance. Some are obvious like an MVR report, but other criteria are not quite as obvious such as your credit history or how financially stable you are. It’s important that you understand some of the things that aid in calculating the rates you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that can earn you lower rates.

Single drivers take more risk – Being married helps lower the price when buying auto insurance. Having a spouse may mean you are more financially stable and statistics prove drivers who are married are more cautious.

Costs may be higher where you live – Being located in areas with lower population has definite advantages when trying to find low car insurance rates. Lower population means fewer accidents. Drivers in populated Pennsylvania areas tend to have more auto accidents and more severe claims. The longer drive time means more chances of being involved in an auto accident.

Don’t cut corners with liability insurance – Your policy’s liability coverage is the coverage that protects you if ever you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to defend your case. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Better rates with anti-theft devices – Driving a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Always keep your auto insurance policy in place – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage will get you a steep fine or even jail time. You may then have to prove you have insurance by filing a SR-22 with the Pennsylvania DMV.

A little work can save a LOT of money

Cost effective Chevy HHR insurance is attainable both online and from local insurance agents, so you need to shop Pittsburgh car insurance with both to get a complete price analysis. Some insurance providers do not offer rates over the internet and many times these small, regional companies only sell coverage through local independent agents.

When searching for affordable Chevrolet HHR insurance quotes, don’t be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The goal is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

People switch companies for any number of reasons including delays in paying claims, not issuing a premium refund, questionable increases in premium and even denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

To read more, take a look at the resources below:

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Smart Auto Insurance Tips (Insurance Information Institute)