It takes a little time, but the best way to get cheaper Chevy HHR insurance is to do a yearly price comparison from different companies who sell auto insurance in Fort Worth. You can compare prices by following these guidelines.
- First, it will benefit you to learn about the different coverages in a policy and the factors you can control to drop your rates. Many risk factors that cause rate increases such as accidents, careless driving, and a bad credit score can be controlled by making lifestyle changes or driving safer. Continue reading for the details to help keep prices low and find additional discounts.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. View rates
- Third, compare the new quotes to your existing coverage to see if cheaper HHR coverage is available in Fort Worth. If you find better rates and make a switch, make sure there is no coverage gap between policies.
- Fourth, give notification to your current company of your intent to cancel your current coverage. Submit the application along with any required down payment to the new insurer. Don’t forget to keep your new certificate verifying proof of insurance with your vehicle’s registration.
A good tip to remember is to use the same deductibles and limits on every price quote and and to look at as many auto insurance providers as possible. This ensures a fair rate comparison and a complete selection of prices.
A recent NerdWallet.com study revealed that a large majority of consumers have purchased from the same company for more than four years, and roughly 40% of drivers have never shopped around. The average driver in Texas could pocket nearly $1,800 a year just by comparing rates, but they just feel it’s too hard to do a rate comparison.
If you’re already insured or just want to reduce your rates, use these money-saving tips to cut your premiums without reducing protection. Our goal is to teach you the most effective ways to compare rates and also pocket some savings Consumers only need an understanding of the proper way to compare rate quotes online.
How to buy Chevy HHR insurance online
Finding low cost Chevy HHR insurance rates is not rocket science. You just need to take a few minutes comparing rates to find out which insurance company has low cost Fort Worth auto insurance quotes.
The companies in the list below have been selected to offer free rate quotes in Fort Worth, TX. If several companies are displayed, we recommend you click on several of them in order to get a fair rate comparison.
Discounts mean cheaper rates for Chevy HHR insurance in Fort Worth
Some insurance providers don’t necessarily list every possible discount in a way that’s easy to find, so here is a list both the well known as well as the least known credits available to lower your premiums when you buy Fort Worth auto insurance online.
- Discount for Life Insurance – Select companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
- Active Service Discounts – Having an actively deployed family member can result in better rates.
- First Accident Forgiveness – This isn’t a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual permit an accident without the usual rate increase if you are claim-free prior to being involved in the accident.
- Drive Less and Save – Maintaining low annual mileage may allow you to get better premium rates on cars that stay parked.
- Organization Discounts – Affiliation with a civic or occupational organization in Fort Worth could qualify you for a break when getting a Fort Worth auto insurance quote.
Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.
The chart below shows the difference between Chevy HHR car insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no violations or accidents, Texas 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 homeowner, marriage, multi-car, multi-policy, safe-driver, and claim-free discounts applied.
To choose providers with discount car insurance rates in Fort Worth, click here.
Facts and figures for Chevy HHR insurance
The premium information shown below highlights detailed analysis of insurance coverage prices for Chevy HHR models. Learning as much as possible about how policy rates are formulated can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| HHR LT | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| HHR SS | $370 | $672 | $382 | $22 | $114 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in zip code location which can increase or decrease coverage prices noticeably.
The information below highlights how deductible selection and can change Chevy HHR premium costs for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, and no discounts are factored in.
Insurance premiums for males and females
The information below illustrates the comparison of Chevy HHR auto insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Educated Choices Result in Lower Insurance Costs
Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving history, but others are more obscure like where you live or how safe your car is.
- Cheaper rates by bundling – Many companies allow better rates to people that purchase more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to comparison shop to help guarantee you have the best rates.
- Cars with good safety ratings cost less to insure – Safer cars are cheaper to insure. These vehicles reduce injuries and fewer serious injuries means less claims paid and more competitive rates for policyholders.
- Liability protection is important – A critical coverage on your policy, liability insurance is the protection if a court rules you are at fault for physical damage or personal injury to other. Your liability coverage provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
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High premiums for younger drivers – More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets. Drivers with little experience have been known to be inattentive when driving with friends so insurance rates are higher.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Poor credit rating equals high rates – Having a bad credit score is a big factor in your rate calculation. Drivers who have high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. Therefore, if your credit history is lower than you’d like, you could pay less to insure your Chevrolet HHR by taking the time to improve your credit score.
Local Fort Worth insurance agencies
A small number of people still prefer to visit with an insurance agent and doing so can bring peace of mind Licensed agents can point out coverage gaps and help in the event of a claim. A good thing about getting online price quotes is the fact that you can find cheap insurance rates but also keep your business local. Supporting local insurance agencies is definitely important in Fort Worth.
Upon completion of this quick form, your coverage information is emailed to insurance agents in Fort Worth who will return price quotes to get your business. You won’t need to do any legwork because prices are sent directly to your email. If you wish to get a rate quote from a specific company, just navigate to their website and give them your coverage information.
Below is a short list of auto insurance companies in Fort Worth who can help you get comparison quotes for Chevy HHR insurance in Fort Worth.
- Nationwide Insurance: The Jeter Agency
6650 N Beach St Ste 118 – Fort Worth, TX 76137 – (817) 788-8620 – View Map - Kathleen Alexander – State Farm Insurance Agent
5336 Wedgmont Cir N – Fort Worth, TX 76133 – (817) 292-6006 – View Map - Amado Flores – State Farm Insurance Agent
3345 Western Center Blvd Ste 180 – Fort Worth, TX 76137 – (817) 232-3000 – View Map - Kilpatrick Insurance Agency
2410 Montgomery St – Fort Worth, TX 76107 – (817) 731-8771 – View Map
Picking an provider requires you to look at more than just the price. The following questions are important to ask.
- Which insurance company do they prefer to write with?
- Has the agent ever had any license suspensions?
- Which insurance companies are they affiliated with?
- Who is covered by the car insurance policy?
- Are there any discounts for paying up front?
- What are their preferred companies if they are an independent agency?
- If you have an accident, will your rates go up?
- Is coverage determined by price?
If you get reasonable responses as well as an affordable premium quote, you may have found an insurance company that is professional and can properly insure your vehicles.
Final considerations
When you buy Fort Worth auto insurance online, never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
We covered some good ideas how you can get a better price on Chevy HHR insurance in Fort Worth. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding affordable Fort Worth auto insurance quotes. You may even find the lowest prices come from a lesser-known regional company.
People switch companies for any number of reasons including poor customer service, extreme rates for teen drivers, not issuing a premium refund and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies can be pretty painless.
More tips and info about car insurance is available by following these links:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has the Cheapest Fort Worth Auto Insurance Quotes for a School Permit? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Electric Cars in Fort Worth? (FAQ)
- What Car Insurance is Cheapest in Fort Worth, Texas? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance Rates for a Honda CR-V? (FAQ)
- Collision Coverage (Liberty Mutual)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)