Save Money on Chevy HHR Insurance in Columbus

Unbelievable but true according to a study a large majority of drivers kept buying from the same company for over three years, and almost half have never quoted auto insurance rates at all. Drivers in Ohio could save an average of roughly $729 each year just by shopping around, but they just don’t want to save money by comparing rate quotes.

If saving money is your primary concern, then the best way to find the cheapest price for Chevy HHR insurance in Columbus is to compare prices annually from insurance carriers in Ohio.

1. Read and learn about individual coverages and the modifications you can make to keep rates down. Many factors that result in higher prices like speeding and a negative credit history can be remedied by making lifestyle changes or driving safer. Keep reading for additional ideas to get low prices and earn a bigger discount.
2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of companies.
3. Compare the new quotes to your existing rates and see if you can save money. If you find a lower rate, ensure coverage does not lapse between policies.
4. Provide notification to your current company to cancel the current policy. Submit payment and a completed application for the new coverage. As soon as you can, safely store the certificate of insurance along with your vehicle registration.

A crucial key to this process is to make sure you enter the same physical damage deductibles and liability limits on each price quote and and to get rates from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and a complete price analysis.

If you currently have a car insurance policy, you will most likely be able to reduce the price you pay using the ideas presented in this article. This article’s goal is to help you learn the best way to quote coverages and some tricks to saving. But Ohio drivers need to learn how companies market insurance on the web and use it to find better rates.

When quoting car insurance, remember that comparing more quotes provides better odds of finding a lower rate.

The following companies have been selected to offer free rate quotes in Columbus, OH. If multiple providers are shown, we recommend you visit several of them to get the most affordable price.

Get cheaper Chevy HHR insurance rates in Columbus

Car insurance companies don’t always advertise every discount available very clearly, so we researched both well-publicized and also the more inconspicuous car insurance savings.

• Military Discounts – Having an actively deployed family member may qualify for rate reductions.
• Early Signing – Some companies reward drivers for switching to them early. It’s a savings of about 10%.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school.
• Homeowners Savings – Simply owning a home may earn you a small savings because owning a home means you have a higher level of financial diligence.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
• Theft Prevention System – Cars optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Safety Course Discount – Taking part in a class that teaches driver safety techniques is a good idea and can lower rates and also improve your driving technique.
• Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Keep in mind that most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, that’s just not realistic. Any qualifying discounts will lower your policy premium.

The diagram below illustrates the comparison of Chevy HHR car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, homeowner, and claim-free discounts applied.

To choose providers that can offer you the previously mentioned discounts in Columbus, click here.

Insurance rate breakdown

The coverage information below covers different insurance coverage prices for Chevy HHR models. Understanding more about how insurance prices are determined can help drivers make decisions when shopping your coverage around.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in specific zip code location which can alter premium rates substantially.

Rate comparison for different deductibles

One of the hardest decisions when shopping for insurance is which deductibles should you choose. The premium rates below sum up how much more rates are between low and high coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Columbus which can decrease or increase coverage prices substantially.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $17 more each month or $204 every year 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 go more than 24 months between claim filings, you would probably save some money if you decide on a higher deductible. The table below shows an example of how you can decide this on your own policy.

An important sidenote is that increasing deductibles to save money results in more money out-of-pocket when you do file a claim. You need some savings in the event you need to pay the higher deductible in order to repair your vehicle.

Chevrolet HHR insurance rates: Men versus women

The example below shows the difference between Chevy HHR auto insurance rates for male and female drivers. The prices are based on no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

Difference between full coverage and liability only rates

The example below compares Chevy HHR premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The data is based on no claims or violations, $250 deductibles, single status, and no discounts are factored in.

When to stop paying for full coverage

There is no exact formula of when to drop comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Chevy HHR replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Chevy HHR Insurance Premium Factors

A large part of saving on auto insurance is knowing a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower auto insurance prices. Lots of factors are used in the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, although others are not as apparent like where you live or your financial responsibility.

• Your job is a factor – Do you have a high-stress occupation? Occupations like military personnel, social workers, and miners usually pay higher premium rates in part from stressful work requirements and long work hours. On the other hand, jobs such as scientists, engineers and the unemployed pay lower than average rates.
• Get better premiums if you’re married – Having a significant other can actually save you money on auto insurance. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.

• Tickets hurt – Only having one driving citation can increase rates forty percent or more. Good drivers have lower premiums compared to drivers with tickets. People who have flagrant violations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.

  The illustration below demonstrates how traffic citations and at-fault fender-benders raise Chevy HHR insurance costs for each age group. Data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

• Maintain auto insurance coverage – Allowing your auto insurance policy to lapse will be a quick way to pay more for auto insurance. In addition to paying higher premiums, getting caught without coverage may earn you a license revocation or jail time.
• Lower prices with alarm systems – Selecting a car model with an alarm system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
• Defend yourself with liability insurance – The liability coverage on your policy will afford coverage if you are found liable for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
• Companies want multiple policies – Many insurers apply discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare Chevy HHR rates in Columbus to help guarantee you have the best rates.

Independent versus exclusive insurance agencies

A small number of people just want to have an agent’s advice and doing so can bring peace of mind One of the benefits of getting free rate quotes online is the fact that drivers can get cheaper premium rates but also keep your business local.

Once you complete this quick form, your information is sent to insurance agents in Columbus who will return price quotes for your coverage. There is no reason to find an agent since price quotes are sent to your email. You can find better rates and work with a local agent. In the event you want to get a rate quote from one company in particular, you would need to find their quoting web page and complete a quote there.

Finding the right insurer requires more thought than just a low price. These are some questions your agent should answer.

• How much training do they have in personal risk management?
• Is the coverage adequate for your vehicle?
• Will the agent or a CSR service your policy?
• How often do they review coverages?
• What is the financial rating for the quoted company?
• Where would your vehicle be repaired?
• Is there a Errors and Omissions policy in force?

Everyone needs different car insurance coverages

When quoting and choosing insurance from an agent or online, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you might need professional guidance.

• Can I cancel at any time?
• Are my company tools covered if they get stolen?
• Are there any extra discounts I can get?
• Is water damage covered by my policy?
• Do I need motorclub coverage?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Persistence is the key to cheaper rates

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

You just learned quite a bit of information on how to get a better price on Chevy HHR insurance in Columbus. It’s most important to understand that the more you quote Columbus car insurance, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from some of the lesser-known companies.

Consumers leave their current company for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, policy non-renewal and unfair underwriting practices. Whatever your reason, switching insurance companies is not as difficult as it may seem.

Additional detailed information is located at these sites:

• Car Insurance: When not to Skimp (BankRate.com)
• Who Has Cheap Car Insurance Quotes for Used Cars in Columbus? (FAQ)
• How Much are Columbus Car Insurance Quotes for a Toyota Camry? (FAQ)
• Who Has Affordable Columbus Auto Insurance for Handicapped Drivers? (FAQ)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Help Your Teen Be a Better Driver (State Farm)
• Rollover Crash FAQ (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)