Save on Chevy HHR Insurance in Buffalo

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Insurance rates Chevy HHR in BuffaloUnfortunately, a large majority of auto insurance policyholders have been with the same company for more than four years, and almost 40% of drivers have never compared quotes from other companies. Buffalo drivers can save hundreds of dollars each year just by getting comparison quotes, but most undervalue the amount of savings they would get if they switched to a more affordable policy.

The easiest way to save on Chevy HHR insurance in Buffalo is to annually compare prices from different companies in New York.

  1. Get an understanding of how companies price auto insurance and the measures you can take to drop your rates. Many rating criteria that drive up the price like distracted driving and a not-so-good credit score can be improved by making minor changes to your lifestyle. Continue reading for tips to help keep prices low and find missing discounts.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple sources.
  3. Compare the price quotes to your current policy and see if you can save money. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide adequate notice to your current company of your decision to cancel your current policy. Submit a completed application and payment to the new insurer. As soon as you receive it, put the new certificate verifying coverage with your vehicle's registration.

One thing to point out is to try to compare similar coverage information on each quote and and to get price quotes from every insurance company. This guarantees an apples-to-apples comparison and a good representation of prices.

The goal of this article is to teach you a little about how insurance works and some tricks to saving. If you are already insured, you should be able to reduce premiums using the concepts you're about to learn. Consumers just need to know the best way to buy auto insurance over the internet.

Get More Affordable Insurance Costs by Understanding These Factors

Lots of things are part of the calculation when you get a price on insurance. Some are obvious such as traffic violations, but some are more transparent like your vehicle usage or how safe your car is. Consumers need to have an understanding of some of the things that help determine auto insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could help you find better auto insurance rates.

  • Auto insurance rates and age - Drivers with little experience are known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims, and tend to be get fewer driving tickets.

    The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • More traffic equals higher rates - Having an address in a rural area has definite advantages when buying auto insurance. Lower population corresponds to lower accident rates and a lower car theft rate. Drivers in populated New York areas have to deal with much more traffic and more severe claims. The longer drive time statistically corresponds to a higher accident and claim rate.
  • How many miles do you drive? - The more you drive your Chevy in a year's time the higher the price you pay to insure it. Most insurance companies rate vehicles based on how the vehicle is used. Cars that do not get driven very much qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your HHR is just wasting money. It's always a good idea to double check that your auto insurance coverage properly reflects how each vehicle is driven.
  • Never go without auto insurance - Driving without insurance is a big no-no and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the New York DMV.
  • Insurance companies don't like frequent insurance claims - Companies in New York generally give the best rates to people who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended for the large, substantial claims.
  • Lower premiums with alarm systems - Owning a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder auto theft.
  • If you don't need it don't buy it - Insurance policies have a lot of extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for rental car coverage, better glass coverage, and membership fees may be costing you every month. These coverages may sound good when discussing your needs, but if you don't need them eliminate the coverages to reduce your premium.

The quickest method to get rate comparisons for Chevy HHR insurance in Buffalo is to take advantage of the fact all the major auto insurance companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information such as your credit rating estimate, if the car is leased, whether you drive to work or school, and if you have an active license. That information is sent automatically to multiple companies and you get price estimates instantly to find the best rate.

If you would like to compare rates now, click here and enter your coverage details.

The providers in the list below provide price comparisons in Buffalo, NY. To find the best car insurance in Buffalo, we suggest you click on several of them in order to find the most competitive rates.

Rates and other information

The coverage information shown below outlines detailed analysis of insurance rates for Chevy HHR models. Understanding more about how premiums are formulated can assist in making smart choices when comparing insurance rates.

Chevrolet HHR Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $162 $272 $278 $16 $84 $812 $68
HHR LT $162 $272 $278 $16 $84 $812 $68
HHR SS $180 $370 $278 $16 $84 $928 $77
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in Buffalo location which can modify rates greatly.

Policy deductibles

One common question asked by Buffalo drivers is at what level do you set your deductibles. The premium rates below can help illustrate the rate difference when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Chevrolet HHR insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $258 $412 $264 $16 $80 $1,055 $88
HHR LT $258 $412 $264 $16 $80 $1,055 $88
HHR SS $286 $558 $264 $16 $80 $1,229 $102
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Chevrolet HHR insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $188 $278 $264 $16 $80 $826 $69
HHR LT $188 $278 $264 $16 $80 $826 $69
HHR SS $210 $378 $264 $16 $80 $948 $79
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in specific garaging location which can raise or lower rates substantially.

Based on this data, using a $100 deductible would cost the average driver about $21 more each month or $252 every year across all Chevrolet HHR models than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claim filings, you would probably come out ahead if you opt for a higher deductible. The table below shows how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $72
Monthly savings from raising deductible: $21
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. That will require some extra funds in order to pay more to get your vehicle repaired.

The diagram below shows how choosing a deductible and can affect Chevy HHR yearly insurance costs for each different age group. The costs are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Bad driving habits will cost you more

The information below demonstrates how speeding tickets and at-fault collisions can influence Chevy HHR insurance prices for different age groups. The rates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The diagram below illustrates the difference between Chevy HHR yearly insurance costs when comparing full coverage to liability only. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to buy liability coverage only

There is no written rule to stop buying physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's say your Chevy HHR replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your deductible. If it's costing you more than $500 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Why you need insurance for your Chevy vehicle

Despite the high cost, insuring your vehicle serves several important purposes.

  • Almost all states have mandatory insurance requirements which means the state requires a minimum amount of liability if you drive a vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your HHR with a loan, most banks will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender will be forced to insure your Chevy at a much higher rate and require you to reimburse them for the expensive policy.
  • Insurance protects both your assets and your car. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays as much as $820 a year so smart consumers compare quotes at least once a year to ensure rates are inline.

Car insurance policy discounts you can't miss

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will be applied at quote time, but once in a while a discount must be inquired about before being credited. If they aren't giving you every credit available, you're paying more than you need to.Save money with discounts

  • Passive Restraint Discount - Factory options such as air bags or motorized seat belts could see savings of 20% or more.
  • Multi-policy Discount - If you can combine your homeowners and auto policy with one insurance company they may give you a discount of nearly 15% which can help you find inexpensive Chevrolet HHR insurance in Buffalo.
  • Paper-free Discount - Many car insurance companies will give you a small discount get Buffalo car insurance digitally online.
  • Save with More Vehicles Insured - Having multiple cars on one policy could earn a price break for each car.
  • Mature Driver Discount - Drivers over the age of 55 can get a slight reduction on a Buffalo car insurance quote.
  • Data Collection Discounts - Insureds that choose to allow companies to track driving habits by using a small device installed in their vehicle like Allstate's Drivewise might get better premium rates if their driving habits are good.
  • Pay Upfront and Save - If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
  • Save with a New Car - Insuring a new HHR can save up to 30% since new vehicles have better safety ratings.
  • Responsible Drivers - Drivers without accidents can save as much as half off their rates as compared to drivers with claims.

A little disclaimer on discounts, most credits do not apply to the whole policy. A few only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, it's just not the way it works.

The example below visualizes the comparison of Chevy HHR yearly insurance costs with and without discounts applied. The premiums are based on a male driver, no claims, a clean driving record, New York state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.

The best car insurance companies and a partial list of their discounts include:

  • Progressive includes discounts for good student, online quote discount, online signing, homeowner, and multi-policy.
  • SAFECO has savings for drive less, accident prevention training, safe driver, anti-lock brakes, and homeowner.
  • American Family discounts include bundled insurance, Steer into Savings, defensive driver, accident-free, good student, and air bags.
  • MetLife offers premium reductions for good student, good driver, accident-free, defensive driver, claim-free, and multi-policy.
  • GEICO may offer discounts for military active duty, defensive driver, anti-theft, federal employee, multi-policy, five-year accident-free, and daytime running lights.
  • The Hartford may have discounts that include driver training, anti-theft, good student, vehicle fuel type, and defensive driver.

Before purchasing a policy, check with each insurance company which discounts can lower your rates. A few discounts might not be offered on policies in Buffalo. If you would like to see a list of providers that offer discounts in Buffalo, click here to view.

Do I need an insurance agent?

A lot of people would prefer to buy from a local agent and that is recommended in a lot of cases Professional agents can help you choose the best coverages and help submit paperwork. The biggest benefit of comparing rates online is the fact that drivers can get cheap insurance quotes and still have a local agent. Buying from local agencies is definitely important in Buffalo.

Find insurance agent in BuffaloTo make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to companies in Buffalo that provide free Buffalo car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to do any legwork as quotes are delivered to your email. If you wish to get a price quote from a particular provider, just navigate to their website and complete a quote there.

Below are Buffalo car insurance companies who can help you get comparison quotes for Chevy HHR insurance in Buffalo.

More insurance agents

Finding a good company requires you to look at more than just a cheap price quote. Here are some questions you should ask.

  • What insurance company do they write the most business with?
  • Where would your vehicle be repaired?
  • Will they take your side in the event of a claim?
  • How experienced are they in personal risk management?
  • What will you get paid if your car is a total loss? How is that amount determined?

What is YOUR best insurance company?

When shopping online for insurance, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability coverage limits only to discover later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price, but don't skip important coverages to save money.

More affordable insurance in Buffalo can be found online in addition to many Buffalo insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these smaller providers only sell coverage through independent agents.

We just covered a lot of ways to shop for Chevy HHR insurance online. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting affordable Chevrolet HHR insurance quotes. Drivers may even discover the best price on insurance is with a smaller regional carrier.

Helpful learning opportunities