Locating cheaper insurance for your Chevy HHR in Arizona can be a lot of work, but you can use these tips and make it easy.
There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages for a Chevy and find the cheapest rates from Tucson insurance agents and online providers.
Comparing rates for the best-priced car insurance in Tucson is quite easy. If you have a current car insurance policy or are looking for a new policy, use these techniques to find better prices without sacrificing coverage. Smart shoppers only need an understanding of the quickest way to compare different rates from many companies at once.
How Car Insurance Companies Calculate Chevy HHR Insurance Costs
It’s important that you understand the rating factors that come into play when calculating the level of your policy premiums. If you know what influences your rates, this enables informed choices that may result in lower car insurance prices. Multiple criteria are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving record, although some other factors are less apparent like your continuous coverage or how financially stable you are.
Shown below are some of the major factors used by your company to calculate premiums.
Credit history impacts premium premiums – Having a good credit score is a big factor in determining what you pay. Therefore, if your credit history is low, you could save money insuring your Chevrolet HHR if you improve your credit rating. People that have good credit tend to be more responsible and file fewer claims than drivers with bad credit.
Safer vehicles are cheaper to insure – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you.
Increase deductibles and save – Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Chevy. Some examples of covered claims could be a dented fender, damage from fire, and windstorm damage. Comprehensive and collision coverage deductibles are how much you are required to spend if you file a covered claim. The more money you are required to pay out-of-pocket, the less money you will pay for car insurance.
Policy add-ons could be costing you – Policies have extra coverages that may not really be needed on your HHR policy. Coverages like rental car coverage, towing coverage, and term life insurance may not be needed and are just wasting money. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
The quickest way to compare car insurance company rates for Chevy HHR insurance in Tucson takes advantage of the fact most of the bigger providers allow for online access to give free rates quotes. The only thing you need to do is give them rating details such as marital status, if your license is active, the ages of drivers, and how much education you have. Those rating factors is instantly provided to many highly-rated insurers and you will get price comparisons almost instantly.
If you would like to start a quote now, click here then complete the form.
The companies in the list below provide quotes in Tucson, AZ. If you wish to find cheap auto insurance in AZ, we suggest you click on several of them to get a more complete price comparison.
Chevy HHR coverage statistics
The table displayed below outlines estimates of rate quotes for Chevy HHR models. Having a good understanding how insurance rates are formulated can benefit drivers when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific Tucson garaging location which can affect premium rates noticeably.
The example below shows how choosing a deductible and can raise or lower Chevy HHR insurance rates for each different age category. The prices are based on a married male driver, comp and collision included, and no discounts are applied.
How accidents and tickets impact rates
The example below highlights how traffic violations and at-fault accidents can influence Chevy HHR premium costs for different age groups of insureds. The data assumes a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
Cost of full coverage in Tucson
The diagram below compares Chevy HHR auto insurance rates with full physical damage coverage and with liability coverage only. The data assumes no violations or claims, $100 deductibles, single marital status, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule of when to exclude full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chevy HHR settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If you are paying over $400 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Three main reasons to buy car insurance
Despite the high insurance cost for a Chevy HHR in Tucson, insurance may be required for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Chevy HHR, most lenders will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Chevy at a more expensive rate and require you to reimburse them much more than you were paying before.
- Insurance safeguards your Chevy HHR and your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you cause an accident and are sued. If your Chevy gets damaged, your policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car outweigh the cost, particularly when you have a large claim. But the average driver in Arizona overpays more than $800 each year so we recommend shopping around at every policy renewal to save money.
Get cheap Chevy HHR insurance in Tucson with discounts
Some companies do not list every discount in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known discounts you could be receiving when you buy Tucson car insurance online.
- Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Membership in Organizations – Participating in a civic or occupational organization in Tucson can get you a small discount on your next car insurance statement.
- Driver Training Discounts – Taking part in a defensive driver class can save you 5% or more if you qualify.
- Telematics Discount – Policyholders that allow their company to spy on driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
- Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
Consumers should know that most credits do not apply to the whole policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.
The information below visualizes the comparison of Chevy HHR premium costs with and without discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Arizona 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, homeowner, safe-driver, multi-policy, claim-free, and marriage discounts applied.
A partial list of companies that may have these money-saving discounts are:
When comparing rates, check with every company which discounts you may be entitled to. Savings may not apply to policyholders in every state.
Independent versus exclusive car insurance agents
Many drivers still like to have an agent’s advice and we recommend doing that Professional insurance agents are highly skilled in risk management and help submit paperwork. A good thing about comparing insurance online is the fact that drivers can get better rates but also keep your business local. Buying insurance from local agents is important particularly in Tucson.
Upon completion of this short form, the coverage information gets sent to local insurance agents in Tucson who will give competitive quotes for your insurance coverage. You don’t have to contact any insurance agencies since rate quotes are delivered to the email address you provide. If you wish to get a comparison quote from a specific insurance provider, you would need to search and find their rate quote page and submit a quote form there.
Below is a list of insurance companies in Tucson that may be able to provide rate quotes for Chevy HHR insurance in Tucson.
- Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map
- American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
- Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 – View Map
- John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Finding the right insurer is decision based upon more than just a low price. Agents should be asked these questions:
- What is their Better Business Bureau rating?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency support the community they serve?
- Do they regularly work with personal auto policies in Tucson?
- Will their companies depreciate repairs to your car based on the mileage?
- Do the agents have professional certifications like CPCU or CIC?
If you receive positive responses to all your questions and an acceptable price quote, chances are good that you have found an insurance company that meets your needs to properly service your insurance policy. Just remember it’s your coverage and you can cancel a policy whenever you choose to so don’t assume you’re contractually obligated to the insurance policy with no way to switch.
Auto insurance companies ranked
Choosing a highly-rated auto insurance company can be challenging considering how many choices you have in Arizona. The company information in the lists below can help you choose which companies to look at putting your business with.
Top 10 Tucson Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Tucson Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Everyone needs different insurance coverages
When selecting your policy, there really isn’t a single plan that fits everyone. Every insured’s situation is different.
These are some specific questions can help discover if your situation may require specific advice.
- How do I buy GAP insurance?
- Why do I have to buy liability insurance?
- Which is better, split liability limits or combined limits?
- Why are teen drivers so expensive to add on to my policy?
- Should I get collision insurance on every vehicle?
- Does my policy cover me when driving someone else’s vehicle?
- Can I afford low physical damage deductibles?
- Does my Chevy HHR qualify for pleasure use?
- When can my company non-renew my policy?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Find cheap rates by comparing often
When you buy Tucson car insurance online, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.
You just read quite a bit of information on how to compare Chevy HHR insurance car insurance rates in Tucson. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding low cost Tucson car insurance quotes. You may even be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.
People who switch companies do it for many reasons like high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers or lack of trust in their agent. Whatever your reason, switching companies can be less work than you think.
Steps to buying cheaper Chevy HHR insurance in Tucson
Truthfully, the best way to find low-cost prices for Chevy HHR insurance is to start comparing prices regularly from providers in Tucson.
Step 1: Gain an understanding of what is in your policy and the things you can change to prevent expensive coverage. Many policy risk factors that are responsible for high rates like traffic tickets, fender benders, and a substandard credit score can be controlled by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can give you price quotes for many different companies. Click to view companies
Step 3: Compare the new rates to the price on your current policy and determine if there is any savings. If you find better rates, make sure there is no coverage gap between policies.
Step 4: Notify your agent or company of your intent to cancel your current car insurance policy. Submit the completed application along with a down payment to the new company. Once coverage is bound, keep the new certificate of insurance above your visor, in the console, or in the glove compartment.
One important bit of advice is to try to compare identical coverage information on each quote request and and to get rates from as many companies as you can. Doing this provides an accurate price comparison and a thorough price selection.
To read more, feel free to visit the following helpful articles:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- Who Has Affordable Tucson Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has Affordable Tucson Auto Insurance Quotes for a Ford Escape? (FAQ)
- Who Has Affordable Auto Insurance Rates for a GMC Sierra in Tucson? (FAQ)
- Who Has Affordable Car Insurance Quotes for Teenage Females in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance Rates for a Learners Permit? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Vehicle Insurance in the U.S. (Wikipedia)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)