Cheapest Rates for Chevy HHR Insurance in Orlando

Insurance for Chevy HHRAre you regretting buying high-priced Chevy HHR insurance in Orlando? Say no more because many Orlando consumers feel financially strained by their auto insurance policy.

It’s easy to assume that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around for cheaper rates are very likely to buy a different policy because there is a great chance of finding a more affordable policy. A recent survey revealed that people who routinely compared rates saved on average $865 annually as compared to drivers who never shopped around.

If finding budget-friendly rates on car insurance is your intention, knowing how to get price quotes and compare car insurance can save time, money, and frustration.

Due to the increasing number of insurance providers from which to choose, it’s difficult to find the cheapest company.

It’s smart to compare premium rates periodically due to the fact that insurance prices tend to go up over time. Even if you got the best rate on Chevy HHR insurance in Orlando on your last policy a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about HHR insurance on the web, but you can learn the best ways to find affordable auto insurance in Orlando.

Chevy HHR Insurance Premiums Can Be More Affordable

Lots of factors are used when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are less obvious like your continuous coverage or your commute time. It’s important that you understand some of the factors that come into play when calculating the price you pay for car insurance. If you understand what determines base rates, this helps enable you to make changes that could help you find cheaper rates.

Lower car insurance rates by staying claim free – If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Companies in Florida generally give the best rates to policyholders who are claim-free. Auto insurance is designed for larger claims.

Never allow your car insurance policy to lapse – Driving any period of time without insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance can result in a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Florida motor vehicle department.

Annual miles is a factor – The higher the miles on your Chevy in a year’s time the higher your rates will be. A lot of companies charge rates based on how the vehicle is used. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Having the wrong rating on your HHR is just wasting money. Double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

Combine policies and save – The majority of car insurance companies will award a discount to customers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to check prices from other companies to verify if the discount is saving money. Drivers may still save money by insuring with multiple companies.

Insurance statistics for a Chevy HHR

The premium information below showcases detailed analysis of insurance policy prices for Chevy HHR models. Learning as much as possible about how auto insurance prices are calculated is important for drivers to make smart buying decisions.

Chevrolet HHR Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $356 $624 $504 $30 $152 $1,666 $139
HHR LT $356 $624 $504 $30 $152 $1,666 $139
HHR SS $398 $848 $504 $30 $152 $1,932 $161
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific zip code location which can revise auto insurance rates greatly.

How high should deductibles be?

When comparing insurance rates, the most common question is how low should you set your deductibles. The following tables can help you visualize the differences in premium rates when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Chevrolet HHR insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $406 $648 $418 $24 $124 $1,645 $137
HHR LT $406 $648 $418 $24 $124 $1,645 $137
HHR SS $452 $880 $418 $24 $124 $1,923 $160
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Chevrolet HHR insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $224 $342 $418 $24 $124 $1,132 $94
HHR LT $224 $342 $418 $24 $124 $1,132 $94
HHR SS $250 $464 $418 $24 $124 $1,280 $107
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in zip code location which can alter coverage prices greatly.

Using the data above, we can ascertain that using a $100 deductible costs about $47 more each month or $564 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 19 months between claim filings, you would come out ahead if you elect the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $145
Average monthly premium for $1,000 deductibles (subtract): – $98
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have to file a claim. You need access to more funds in the event you need to pay more to get your vehicle repaired.

Don’t overlook these Chevy HHR insurance discounts

Auto insurance is easily one of your largest bills, but discounts can save money and there are some available that many consumers don’t even know exist. Some discounts will apply at the time you complete a quote, but some discounts are required to be asked about before you will receive the discount.Discount auto insurance

Remember that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The example below shows the comparison of Chevy HHR annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents, no driving violations, Florida 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 multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

A list of companies and some of the discounts can be read below.

Double check with all the companies which discounts you qualify for. Some credits may not apply in your area. To see a list of insurers that offer discounts in Florida, click here to view.

Keep this in mind when shopping around

You just learned a lot of tips how to get a better price on Chevy HHR insurance in Orlando. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may even discover the biggest savings come from an unexpected company. They often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.

When you buy Orlando car insurance online, you should never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the best cost while not skimping on critical coverages.

Steps to finding the cheapest rates for Chevy HHR insurance in Orlando

It takes a few minutes, but the best way to get affordable Chevy HHR insurance is to compare quotes annually from insurers in Orlando.

  1. Read about how insurance works and the steps you can take to keep rates low. Many rating factors that cause rate increases like multiple speeding tickets and a low credit rating can be remedied by being financially responsible and driving safely.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of insurance providers. View insurance agents
  3. Compare the new quotes to your current policy premium to determine if you can save on HHR insurance in Orlando. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Give notification to your current company of your intention to cancel your current car insurance policy and submit a down payment and signed policy application to the new insurer. As soon as you have the new policy, place your new proof of insurance paperwork along with the vehicle’s registration papers.

One important bit of advice is to make sure you enter similar deductibles and liability limits on each quote and and to get rates from as many carriers as you can. This ensures a fair rate comparison and the best price selection.

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