Cheap Insurance for a Chevy HHR in Plano

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Insurance quote for Chevy HHR in PlanoWould you like to buy the cheapest Chevy HHR insurance in Plano? Locating the cheapest insurance for your Chevy HHR in Texas could be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for auto insurance so you're going to learn the proper way to price shop coverage for a Chevy and find the lowest price either online or from Plano insurance agents.

It's an obvious statement that car insurance companies don't want you to compare rates. Insureds who shop around for cheaper price quotes are highly likely to switch companies because there is a good chance of finding better rates. A recent survey revealed that consumers who compared prices once a year saved on average $865 annually compared to other drivers who never compared other company's rates.

If saving the most money on auto insurance is your ultimate target, then having some knowledge of how to shop and compare insurance can make it easier for you to save money.

Low Cost companies for Chevy HHR insurance

The companies in the list below are our best choices to provide free quotes in Texas. To get cheaper car insurance in Texas, we suggest you visit two to three different companies in order to find the most competitive rates.

Coverage information

The rate information displayed below outlines estimates of rate quotes for Chevy HHR models. Having a better idea how car insurance prices are calculated can aid in making decisions on which coverage to buy.

Chevrolet HHR Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $300 $492 $514 $30 $154 $1,490 $124
HHR LT $300 $492 $514 $30 $154 $1,490 $124
HHR SS $334 $668 $514 $30 $154 $1,700 $142
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can alter premiums considerably.

Car insurance deductibles

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The figures shown below illustrate the cost difference between high and low physical damage coverage deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Chevrolet HHR insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $370 $592 $382 $22 $114 $1,505 $125
HHR LT $370 $592 $382 $22 $114 $1,505 $125
HHR SS $412 $804 $382 $22 $114 $1,759 $147
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Chevrolet HHR insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $206 $312 $382 $22 $114 $1,036 $86
HHR LT $206 $312 $382 $22 $114 $1,036 $86
HHR SS $228 $424 $382 $22 $114 $1,170 $98
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific Plano garaging location which can modify auto insurance rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $42 more each month or $504 annually 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 tend to go at a minimum 21 months between claims, you would save money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $132
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that increasing deductibles to save money means you will have to cover more of the damage yourself at claim time. You need to have some savings in the bank in the event you need to pay the deductible.

The illustration below shows how different deductible levels and can influence Chevy HHR insurance rates for each age group. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Car insurance premiums based on gender

The illustration below illustrates the comparison of Chevy HHR insurance costs for male and female drivers. The rates are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no other discounts are factored in.

Cheap Plano insurance quotes with discounts

Some companies do not advertise all their discounts in a way that's easy to find, so the list below gives a summary of some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Plano auto insurance online.Save money with discounts

  • Distant Student - Older children living away from Plano attending college and don't have a car can receive lower rates.
  • Full Payment Discount - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Low Mileage Discounts - Keeping the miles down on your Chevy can qualify you for lower prices due to less chance of an accident.
  • Federal Government Employee - Active or former government employment could provide a small rate reduction with certain companies.
  • Theft Deterrent - Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more on HHR insurance in Plano.

Policy discounts save money, but most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance policy, it doesn't quite work that way.

The chart below shows the difference between Chevy HHR insurance premiums with and without discounts. Data assumes a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, multi-car, and claim-free discounts applied.

A partial list of companies that may offer some of the above discounts include:

Double check with all companies you are considering to give you their best rates. Some discounts may not apply in your area. To locate providers who offer insurance discounts in Plano, click here.

How Car Insurance Companies Determine Chevy HHR Insurance Premiums

A large part of saving on car insurance is knowing a few of the rating criteria that play a part in calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

The factors shown below are a few of the "ingredients" companies use to determine your prices.

Alarm systems save money - Selecting a car model that has an advanced theft prevention system can help lower your premiums. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.

High performance vehicles cost more to insure - The performance level of the car you are trying to find cheaper insurance for makes a big difference in your rates. The lowest performance passenger vehicles usually have the lowest premiums, but there are many factors that impact the final cost.

The next chart is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Chevrolet HHR car insurance rates compared to other makes and models that have different performances.

Small coverages can add up - Insurance policies have a lot of additional coverages that sound like a good idea at the time on your car insurance policy. Insurance for roadside assistance, death and dismemberment, and membership fees are probably not needed. You may think they are a good idea when discussing your needs, but now you might not need them so remove them and pocket the money.

Better drivers have lower prices - Drivers who don't get tickets get better prices than people who have multiple driving citations. Having just one moving violation can bump up the cost to the point where it's not affordable. Drivers who have received dangerous violations like DUI or willful reckless driving may be required to complete a SR-22 with the DMV in their state in order to legally drive.

The chart below shows how traffic citations and accidents influence Chevy HHR yearly insurance costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Compare prices but buy from a neighborhood Plano auto insurance agent

A small number of people still like to talk to a local agent and doing that can be a smart decision Good agents can help you choose the best coverages and help in the event of a claim. A good thing about getting free rate quotes online is that you can obtain the lowest rates and also buy local. Buying insurance from neighborhood insurance agencies is especially important in Plano.

Once you complete this short form, the quote information is instantly submitted to agents in your area who will gladly provide quotes for your insurance coverage. You won't need to contact any agents due to the fact that quote results will go straight to your inbox. If you need to quote rates for a specific company, just navigate to their website and fill out the quote form the provide.

Do you need an independent or exclusive car insurance agent?

If you are searching for a local Plano insurance agent, it helps to know the two types of insurance agents and how they operate. Plano agents are either independent or exclusive depending on the company they work for. Both types of agents can properly insure your vehicles, but we need to point out the difference in the companies they write for since it may influence your agent selection.

Independent Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage through lots of different companies and get you the best rates possible. If they find a lower price, the business is moved internally which is easy for the insured. When searching for an agent, you need to contact independent agents to maximize your price options. A lot of them also have access to less well-known companies that many times have cheaper rates.

Shown below are independent insurance agencies in Plano that may be able to give you competitive price quotes.

View more Plano agents

Exclusive Agents

Agents that choose to be exclusive generally can only insure with one company like Farmers Insurance, Allstate, or State Farm. They generally cannot shop your coverage around so keep that in mind. Exclusive insurance agents are highly trained on their company's products and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents mostly because of the brand legacy rather than having the cheapest rates.

Shown below is a short list of exclusive insurance agents in Plano that are able to give price quote information.

View more Plano agents

Selecting an insurance agent should depend on more than just a cheap price. Any agent in Plano should have no problem answering these questions:

  • Is the coverage adequate for your vehicle?
  • Do you work with a CSR or direct with the agent?
  • Do they specialize in personal lines auto insurance in Plano?
  • Can glass repairs be made at your home?
  • Will one accident increase rates?

Upon getting good answers to any questions you may have as well as cheap HHR insurance quotes, you have narrowed it down to an insurance agent that will properly service your auto insurance policy. Just understand that you are able to cancel a policy for any reason so don't feel you are locked into your new company for the entire policy term.

Cover all your bases

Cheaper Chevy HHR insurance in Plano is definitely available online as well as from independent agents in Plano, so you need to shop Plano auto insurance with both in order to have the best price selection to choose from. There are still a few companies who do not provide internet price quotes and usually these smaller companies work with local independent agencies.

Drivers switch companies for many reasons like being labeled a high risk driver, not issuing a premium refund, lack of trust in their agent or delays in paying claims. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Steps to finding cheaper quotes for Chevy HHR insurance in Plano

If saving the most money is your goal, then the best way to get cheaper car insurance rates in Plano is to regularly compare quotes from companies in Texas. Rates can be compared by completing these steps.

  1. Learn about how insurance companies determine prices and the things you can control to prevent high rates. Many rating factors that cause rate increases such as multiple speeding tickets and poor credit rating can be improved by making minor changes in your lifestyle.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in Plano. If you can save some money and buy the policy, 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 decision to cancel your current policy and submit a completed application and payment to the newly selected company. Once coverage is bound, put the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

The key thing to remember is to try to use the same physical damage deductibles and liability limits on every quote request and and to analyze as many carriers as you can. Doing this enables a fair rate comparison and the most accurate and complete price analysis.

More information can be found at the links below