Cheap Quotes for Chevy HHR Insurance in Cincinnati

Feel like you’re a prisoner to high-priced Chevy HHR insurance in Cincinnati? Say no more because you are not the only one feeling buyer’s remorse.

Astonishing but true, 70% of consumers have purchased from the same company for over three years, and 38% of customers have never compared rate quotes at all. Many drivers in Cincinnati could save themselves nearly 55% a year just by getting comparison quotes, but they don’t believe how much they could save if they switched.

Steps to saving money on Chevy HHR insurance in Cincinnati

The most effective way to find low-cost Chevy HHR insurance is to compare quotes once a year from insurers in Cincinnati.

1. Try to understand individual coverages and the measures you can control to prevent high rates. Many factors that are responsible for high rates such as accidents, traffic violations, and poor credit history can be improved by making minor changes to your lifestyle.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
3. Compare the quotes to the price on your current policy to see if a cheaper rate is available in Cincinnati. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The critical component of shopping around is that you’ll want to make sure you compare the same level of coverage on each price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this provides the most accurate price comparison and and a good selection of different prices.

You have so many insurers to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to get the best deal for Chevy HHR insurance in Cincinnati.

Low Cost companies for Chevy HHR insurance

The following companies are ready to provide free rate quotes in Ohio. To find cheaper car insurance in Cincinnati, we recommend you click on several of them to get a more complete price comparison.

Statistics and details

The premium table displayed below showcases detailed analysis of policy rates for Chevy HHR models. Learning how auto insurance premiums are formulated can be valuable when making decisions on the best policy to buy.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can alter premiums substantially.

Physical damage deductibles

One frequently asked question is where to set your physical damage deductibles. The figures shown below sum up the differences in price when you select higher and lower deductibles. The first data set uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific zip code location which can raise or lower coverage prices noticeably.

Based on the above data, using a $100 deductible costs about $17 more each month or $204 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 24 months between claim filings, you would save money by going with a higher deductible.

The illustration below demonstrates how choosing different deductibles and can raise or lower Chevy HHR insurance prices for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Chevrolet HHR liability-only versus full coverage

The illustration below illustrates the difference between Chevy HHR insurance costs with full coverage compared to only the Ohio minimum liability coverage. The data assumes no claims or driving violations, $250 deductibles, single status, and no discounts are applied.

Are you wasting money on full coverage?

There is no written rule to drop comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Chevy HHR book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.

Cheap Chevy HHR insurance rates in Cincinnati

Some companies don’t necessarily list every available discount very well, so the below list has a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Good Student – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
• Defensive Driver – Passing a defensive driver class is a good idea and can lower rates and easily pay for the cost of the class.
• Military Deployment Discount – Having an actively deployed family member can result in better premium rates.
• Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get slightly better premium rates than normal.
• Paperwork-free – Some larger companies may give you up to $50 for completing your application on the internet.
• Save with a New Car – Insuring a vehicle that is new can save you some money due to better safety requirements for new model year vehicles.
• No Claim Discounts – Cincinnati drivers who stay claim-free are rewarded with significantly better rates on Cincinnati car insurance quote in comparison to accident-prone drivers.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.

It’s important to note that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will positively reduce your premiums.

The information below illustrates the comparison of Chevy HHR auto insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, marriage, homeowner, and multi-policy discounts applied.

A few of the larger companies and their offered discounts are shown below.

• The Hartford has savings for air bag, defensive driver, bundle, driver training, anti-theft, vehicle fuel type, and good student.
• American Family may offer discounts for bundled insurance, TimeAway discount, air bags, early bird, multi-vehicle, accident-free, and Steer into Savings.
• Progressive discounts include continuous coverage, multi-vehicle, multi-policy, good student, homeowner, online signing, and online quote discount.
• Travelers includes discounts for new car, continuous insurance, IntelliDrive, save driver, early quote, multi-car, and home ownership.
• Farmers Insurance policyholders can earn discounts including business and professional, alternative fuel, pay in full, youthful driver, and good student.
• USAA offers discounts including annual mileage, multi-vehicle, vehicle storage, driver training, new vehicle, family discount, and military installation.
• Liberty Mutual offers discounts for hybrid vehicle, newly retired, good student, safety features, multi-policy, and new vehicle discount.

When quoting, ask every insurance company which discounts can lower your rates. Discounts may not apply to policyholders everywhere.

When to get professional advice

When choosing the right insurance coverage, there really isn’t a one size fits all plan. Your needs are unique to you.

Here are some questions about coverages that could help you determine whether you will benefit from professional help.

• What is an umbrella policy?
• What are good deductibles for a Chevy HHR?
• Should I have a commercial auto policy?
• Is my custom paint covered by insurance?
• Does my insurance cover my expensive audio equipment?
• Can I afford to buy a different vehicle if my Chevy HHR is totaled?
• Which companies will insure high-risk drivers?
• Does my medical payments coverage pay my health insurance deductible?
• Who is covered when they drive my Chevy HHR?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance agents near you

Many drivers just want to sit down with an agent and that is OK! The biggest benefit of comparing rates online is you can get cheap rate quotes but still work with a licensed agent.

For easy comparison, once you complete this simple form, the coverage information is submitted to agents in your area that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer because prices are sent to you instantly. You can find lower rates and a licensed agent to work with. If you need to get a rate quote for a specific company, you just need to navigate to their website and submit a quote form there.

Finding the right company is decision based upon more than just a low price. Any agent in Cincinnati should be willing to answer these questions.

• What companies can they write with?
• How often do they review coverages?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• How much can you save by raising your physical damage deductibles?
• Do they have a Better Business Bureau rating in Cincinnati?

Auto insurance company ratings

Selecting the best auto insurance provider can be rather challenging considering how many companies there are to choose from in Ohio. The company rank data shown next may help you select which insurers you want to consider when comparing rate quotes.

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Quote often and quote early

In this article, we covered quite a bit of information on how to lower your Chevy HHR insurance prices in Cincinnati. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

Low-cost Chevy HHR insurance in Cincinnati is possible both online and from local agencies, so get free Cincinnati car insurance quotes from both of them so you have a total pricing picture. Some car insurance companies may not have the ability to get quotes online and many times these smaller companies work with independent insurance agents.

When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Steps to finding better rates for Chevy HHR insurance in Cincinnati

It takes a little time, but the best way to get budget car insurance rates in Cincinnati is to start doing an annual price comparison from different companies who sell insurance in Ohio.

1. Read and learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many factors that cause rate increases such as distracted driving and your credit history can be rectified by being financially responsible and driving safely.
2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from many different companies. View companies
3. Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and switch companies, ensure there is no coverage lapse between policies.

The key thing to know about shopping around is to compare identical deductibles and limits on each price quote and and to get rates from as many different insurance providers as possible. Doing this ensures a level playing field and a complete rate analysis.

Additional information is available on the following sites:

• Vehicle Insurance in the U.S. (Wikipedia)
• Who Has the Cheapest Cincinnati Auto Insurance Rates for Retired Military? (FAQ)
• Teen Driving and Texting (State Farm)
• Frontal Crash Tests (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Child Safety FAQ (iihs.org)