Chevy HHR Insurance Quotes in Fort Wayne

We don’t have to point out that fact that insurance companies don’t want you to compare rates. Insureds who get price quotes annually are likely to move their business because of the good chance of finding coverage at a more affordable price. A recent study showed that consumers who compared prices regularly saved as much as $860 a year compared to those who never shopped around for lower prices.

If finding discount rates on insurance in Fort Wayne is the reason for your visit, then having a grasp of the best ways to shop for car insurance can make it easier to find better rates.

Insurance quote for Chevy HHR in Fort WayneReally, the only way to save on car insurance rates in Fort Wayne is to make a habit of comparing prices annually from insurers who can sell car insurance in Indiana.

One thing to remember is that you’ll want to compare similar deductibles and liability limits on every quote and and to get rates from as many carriers as you can. Doing this enables a fair rate comparison and the best price quote selection.

The following companies can provide comparison quotes in Indiana. If you want to find the best auto insurance in Indiana, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Coverage information

The price information shown below highlights a range of insurance coverage prices for Chevy HHR models. Having insight into how insurance policy rates are established helps drivers make smart choices when buying a car insurance policy.

Chevrolet HHR Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $130 $226 $318 $18 $94 $786 $66
HHR LT $130 $226 $318 $18 $94 $786 $66
HHR SS $144 $306 $318 $18 $94 $880 $73
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific Fort Wayne garaging location which can decrease or increase coverage rates substantially.

Deductible analysis

When buying car insurance, a common question is at what level do you set your deductibles. The following insurance rates summarize the price difference between high and low physical damage coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Chevrolet HHR insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $244 $366 $280 $16 $84 $1,015 $85
HHR LT $244 $366 $280 $16 $84 $1,015 $85
HHR SS $272 $496 $280 $16 $84 $1,173 $98
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Chevrolet HHR insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $152 $230 $280 $16 $84 $762 $64
HHR LT $152 $230 $280 $16 $84 $762 $64
HHR SS $168 $312 $280 $16 $84 $860 $72
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location which can affect premium rates significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $22 more each month or $264 a year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 34 months between claims, you would probably be better off if you choose a higher deductible.

Do you need full coverage?

The example below illustrates the comparison of Chevy HHR insurance costs with and without full coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to drop full coverage

There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s assume your Chevy HHR replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are paying in excess of $700 annually for physical damage coverage, then it could be time to drop full coverage.

There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, 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 buy liability only.

Auto insurance protects more than just your car

Despite the potentially high cost of Chevy HHR insurance, paying for auto insurance is required in Indiana but it also protects you in many ways.

The benefits of buying auto insurance more than cancel out the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $820 a year so compare rates at every policy renewal to be sure current rates are still competitive.

How Your HHR Insurance Prices are Determined

Many things are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although others are less obvious like your continuous coverage or your vehicle rating. Part of the car insurance buying process is learning the factors that help determine your premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels.

How do I know if I need professional advice?

When quoting and choosing coverage online or from an agent, there is no “best” method to buy coverage. Every situation is different.Drive safe and save

For example, these questions could help you determine if your situation would benefit from professional advice.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Quote more and you will save more

There are still a few companies who may not provide the ability to get a quote online and many times these regional carriers provide coverage only through independent insurance agencies. Cost effective Chevy HHR insurance is possible on the web in addition to many Fort Wayne insurance agents, and you should compare rates from both so you have a total pricing picture.

We’ve covered many tips how you can get a better price on Chevy HHR insurance in Fort Wayne. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with a small mutual company.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. Too many times, someone sacrificed collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

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