Save on Chevy HHR Insurance in Buffalo

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.

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.

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

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:

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 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