Cheapest Rates for Chevy HHR Insurance in El Paso

The best way to find better pricing on Chevy HHR insurance is to regularly compare prices from providers that insure vehicles in El Paso.

1. Spend a few minutes and learn about policy coverages and the changes you can make to prevent expensive coverage. Many risk factors that drive up the price such as distracted driving and an imperfect credit history can be remedied by improving your driving habits or financial responsibility.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide price quotes for many different companies.
3. Compare the new rates to your existing rates to determine if you can save on HHR insurance in El Paso. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company to cancel your existing policy. Submit a down payment along with a completed application to your new agent or company. As soon as you receive it, keep your new certificate verifying proof of insurance in an easily accessible location.

The most important part of shopping around is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and and to get rates from as many different insurance providers as possible. This guarantees a fair rate comparison and maximum price selection.

It’s an obvious conclusion that insurance companies want to keep your business as long as possible. People who get comparison quotes at least once a year are likely to buy a different policy because there is a good chance of finding lower prices. A survey found that consumers who regularly compared price quotes saved over $3,500 over four years compared to policyholders who never compared prices.

If finding the lowest price for Chevy HHR insurance in El Paso is your ultimate goal, then having an understanding of how to quote and compare coverages can help you succeed in saving money.

Best companies for Chevy HHR insurance

The following companies are our best choices to provide free quotes in Texas. If more than one company is shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Rate information and statistics

The information displayed below showcases different insurance coverage prices for Chevy HHR models. Being able to understand how insurance prices are established is important for making informed decisions.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can change auto insurance rates greatly.

Higher deductibles save money

One of the hardest decisions when shopping for insurance is the level to set your comp and collision deductibles. The following insurance rates may help to illustrate the premium difference between high and low policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can influence price quotes considerably.

We can estimate from the data above that using a $100 deductible costs an average of $28 more each month or $336 annually across all Chevrolet HHR models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claims, you would probably be better off if you decide on a higher deductible.

The illustration below demonstrates how choosing different deductibles and can change Chevy HHR insurance rates for different age groups. The information is based on a married male driver, full coverage, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The chart below shows the difference between Chevy HHR auto insurance costs with full coverage and liability only. The rates are based on no claims or driving citations, $250 deductibles, single status, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no exact rule to stop buying full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Chevy HHR claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the policy deductible has been paid. If premiums are more than $300 annually for your policy with full coverage, then you might consider buying liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

How Car Insurance Companies Determine Chevy HHR Insurance Premiums

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but some are more obscure such as whether you are married or your vehicle rating. Smart consumers have a good feel for some of the elements that go into determining your insurance rates. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower insurance prices.

Shown below are a few of the things used by companies to determine your rates.

• Rates may be lower depending on your occupation – Jobs such as lawyers, architects, and dentists usually pay higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like actors, athletes and retirees receive lower rates.

• With age comes lower premiums – Beginning drivers in Texas tend to be inattentive with other occupants in the car so insurance rates are higher. If you’ve ever had to add a first-time driver onto your insurance can be quite pricey. More experienced drivers are shown to be more cautious, are lower risk to insure, and are safer drivers.

  The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Your address can modify costs – Residing in a small town may provide you with better prices if you are looking for the lowest rates. Urban drivers regularly have more aggressive driving styles and longer commutes to work. Fewer people translates into fewer accidents.
• A policy lapse is a bad thing – Going without insurance can be a guaranteed way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
• Single drivers take more risk – Walking down the aisle may save some money when buying insurance. It is viewed as being less irresponsible and statistics show being married results in fewer claims.
• Incidental coverages you don’t use – There are quite a few extra coverages that can add up on your insurance policy. Coverage for things like rental car reimbursement, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
• Advanced theft deterrents – Buying a car with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.

• Premiums also based on gender – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean females are better at driving than males. Men and women get in at-fault accidents in similar percentages, but the male of the species have accidents that have higher claims. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high insurance rates.

  The information below illustrates the comparison of Chevy HHR insurance costs for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Chevy HHR insurance discounts in El Paso

Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that you may not even know about. A few discounts will automatically apply at the time of purchase, but a few must be asked about before you will receive the discount.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
• Low Miles Discount – Keeping the miles down on your Chevy may allow you to get discounted premium rates on garaged vehicles.
• Online Discount – A handful of car insurance companies provide a small discount for signing up on the web.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Professional Memberships – Being in a civic or occupational organization in El Paso could trigger savings on your bill.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But all discounts will positively reduce your car insurance premiums.

The chart below compares Chevy HHR insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Insurance companies that may have most of the discounts above are:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

If you need the cheapest Chevrolet HHR rate quotes, ask each company or agent how many discounts you can get. Some credits may not be offered everywhere.

Independent and exclusive car insurance agents

Some people just want to get professional advice from a licensed agent and that can be a great decision Most agents can help you build your policy and help submit paperwork. The best thing about comparing rate quotes online is that you can find cheap insurance rates and still choose a local agent. And providing support for local insurance agencies is definitely important in El Paso.

Once you complete this form (opens in new window), your insurance data is transmitted to insurance agents in El Paso who will give competitive quotes to get your business. There is no reason to search for an agent due to the fact that quote results will go straight to your inbox. If you need to compare rates from a specific company, you just need to navigate to their website and submit a quote form there.

Below are El Paso car insurance companies that are able to give rate quotes for Chevy HHR insurance in El Paso.

• Rafael Martinez – State Farm Insurance Agent
  7211 N Mesa St #2w – El Paso, TX 79912 – (915) 581-3276 – View Map
• Home Insurance Agency
  1760 Airway Blvd – El Paso, TX 79925 – (915) 771-8552 – View Map
• Elizabeth Campos – State Farm Insurance Agent
  9411 Alameda Ave o – El Paso, TX 79907 – (915) 860-7980 – View Map
• Nationwide Insurance: Damon Scott Crossland Agency
  210 Thunderbird Dr t – El Paso, TX 79912 – (915) 584-5480 – View Map

More El Paso agents

Choosing an insurance company shouldn’t rely on just the bottom line cost. The questions below may impact your decision as well.

• Do they offer rental car reimbursement?
• Are they able to influence company decisions when a claim is filed?
• Does the agency have a current Errors and Omissions policy?
• Does the agency provide any after hours assistance?
• What kind of financial rating does the company have?
• How are claims handled?
• Do they have cheaper tiers of coverage?

Quote more to save more

When getting El Paso car insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured cut uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

Budget-conscious Chevy HHR insurance can be found both online and also from your neighborhood El Paso agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies work with independent insurance agents.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, delays in paying claims, policy non-renewal and an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is not as difficult as it may seem.

More detailed car insurance information can be read at these sites:

• Determining Auto Insurance Rates (GEICO)
• Auto Crash Statistics (Insurance Information Institute)
• Avoiding Deer Collisions (Insurance Information Institute)
• What is Full Coverage? (Allstate)