Find Cheaper Chevy HHR Insurance in Cleveland

Amazingly, 70% of consumers kept their coverage with the same insurance company for over three years, and just short of a majority have never even compared rates from other companies. Cleveland insurance shoppers could pocket 55% a year, but they don’t want to take the time to compare rates.

The best way we recommend to find cheaper prices for car insurance rates in Cleveland is to compare prices at least once a year from providers that sell auto insurance in Ohio. Rate comparisons can be done by completing these steps.

Step 1: Try to comprehend how companies set rates and the modifications you can make to lower rates. Many risk factors that increase rates like speeding and an unfavorable credit rating can be amended by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple sources.

Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote, ensure coverage does not lapse between policies.

Step 4: Tell your current company to cancel your current auto insurance policy and submit a signed application and payment to the new company. Don’t forget to put the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

The critical component of shopping around is to compare identical coverages on every price quote and to quote with as many auto insurance providers as possible. This enables a level playing field and many rates to choose from.

How to get the cheapest Chevy HHR insurance in Cleveland

To find low cost quotes, there are a couple of ways to compare prices from auto insurance companies in your area. The best way to find the cheapest Chevy HHR insurance rates is to jump online and get quotes.

When comparing auto insurance rates, know that comparing a wide range of rates helps increase your odds of locating more affordable insurance. Some insurance companies are not set up to provide online Cleveland HHR insurance quotes, so it’s important to compare quotes from the smaller companies as well.

The companies in the list below offer quotes in Ohio. To get cheaper auto insurance in OH, we recommend you click on several of them to get the best price comparison.

Chevy HHR insurance analysis

The premium information displayed below outlines detailed analysis of coverage prices for Chevy HHR models. Having a good grasp of how insurance prices are calculated can benefit drivers when making smart choices when choosing a car insurance company.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in Cleveland location which can alter rates substantially.

An analysis of deductible level

One common question asked by Cleveland drivers is where to set your physical damage deductibles. The following tables sum up how much more you’ll pay of buying low and high policy deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in garaging location in Cleveland which can revise premiums noticeably.

Based on these figures, using a $100 deductible could cost the average driver approximately $26 more each month or $312 every year across all Chevrolet HHR models than quoting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 35 months between claim filings, you would probably come out ahead by selecting a higher deductible. The numbers below show an example of how you can come to your own conclusion.

Difference between liability only and full coverage rates

The diagram below shows the comparison of Chevy HHR car insurance rates with liability coverage only compared to full coverage. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no definitive guideline to eliminate full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Chevy HHR settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your policy deductible. If you are paying over $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not advised. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Car insurance does more than just repair your car

Even though Cleveland HHR insurance rates can get expensive, paying for car insurance may not be optional for several reasons.

• Just about all states have compulsory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Chevy HHR, most banks will have a requirement that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Chevy at a much higher premium rate and force you to pay for the much more expensive policy.
• Insurance safeguards both your vehicle and your personal assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Chevy as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America is wasting up to $800 each year so we recommend shopping around every year to ensure rates are inline.

How Car Insurance Companies Calculate Chevy HHR Insurance Premiums

It’s important that you understand some of the things that go into determining your premiums. If you understand what impacts premium levels, this enables informed choices that will entitle you to cheaper rates. Many things are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, although others are more transparent like your continuous coverage and annual miles driven.

The items below are some of the most rate-impacting factors used by insurance companies to determine your rates.

• Bundling policies can get discounts – The majority of insurance companies afford discounts to customers who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. It’s possible to still find better rates by buying insurance from a different company.
• Credit rating impact insurance premiums – A driver’s credit score is a large factor in calculating your premium rate. Therefore, if your credit can use some improvement, you could potentially save money when insuring your Chevrolet HHR by spending a little time repairing your credit. People with very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with poor credit scores.
• Demanding occupation may mean higher premiums – Careers such as lawyers, business owners, and stock brokers usually pay higher rates than average attributed to intense work situations and lots of time spent away from family. Conversely, occupations like professors, engineers and retirees generally pay rates lower than average.
• What are your deductibles? – Comprehensive and collision coverage deductibles represent how much money you are required to pay if you file a covered claim. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply could be rear-ending another vehicle, damage caused by hail, and damage caused by road hazards. The more of the claim you have to pay, the lower your rates will be.
• Prevent theft and save – Owning a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft and help bring rates down.

• Younger driver insurance prices – Older people have been proven to be more responsible, file fewer claims, and are generally more financially stable. Beginning drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

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

• Avoid tickets and save – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Having a single driving citation can increase rates by as much as twenty percent. Drivers who have license-revoking violations like reckless driving or DUI may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

  The chart below illustrates how violations and fender-benders can drive up Chevy HHR insurance rates for different insured age categories. Data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Your insurance coverage should be tailored to you

When quoting and choosing a policy for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

• Do I have ACV or replacement cost coverage?
• Can my babysitter drive my car?
• Is a fancy paint job covered?
• How long can I keep a teen driver on my policy?
• Are my company tools covered if they get stolen?
• How much liability do I need to cover my assets?
• Is my son or daughter covered when driving my car?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Ohio car insurance company ratings

Buying coverage from the highest-rated car insurance company can be difficult considering how many companies provide coverage in Ohio. The information in the next section could help you select which insurers to look at comparing rates from.

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Top 10 Cleveland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Progressive – A+
7. Erie Insurance – A+
8. Mercury Insurance – A+
9. The Hartford – A+
10. Nationwide – A+

Compare rates regularly to save

Throughout this article, we presented a lot of information how to compare Chevy HHR insurance premium rates in Cleveland. The key concept to understand is the more companies you get prices for, the higher your chance of finding low cost Cleveland auto insurance quotes. You may even find the most savings is with the smaller companies.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to find out that it was a big mistake. The goal is to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced Chevy HHR insurance in Cleveland is possible online and also from your neighborhood Cleveland agents, and you need to price shop both to have the best selection. Some insurance companies may not provide rate quotes online and many times these small insurance companies work with independent agents.

To read more, feel free to visit the resources below:

• Tread Depth and Tire Safety (State Farm)
• Who Has Affordable Car Insurance Quotes for High Risk Drivers in Cleveland? (FAQ)
• Who Has Cheap Cleveland Car Insurance for a Toyota Tacoma? (FAQ)
• How Much are Car Insurance Quotes for Immigrants in Cleveland? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Cleveland? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Protect Yourself Against Auto Theft (Insurance Information Institute)