Cheapest Insurance for a Chevy HHR in Toledo

Do you need a better way to compare cheaper Chevy HHR insurance in Toledo? If price shopping Toledo auto insurance quotes online is new to you, it’s easy to be confused due to the large number of companies competing for your business.

A recent survey discovered that a large majority of drivers renewed their policy with the same company for at least the last four years, and nearly the majority have never compared rates with other companies. The average driver in the United States could save about $859 each year, but they just feel it’s too hard to compare other rate quotes.

Chevy HHR coverage analysis

The rate information below covers detailed analysis of prices for Chevy HHR models. Knowing how rate quotes are calculated can help guide drivers when making smart choices when comparing insurance quotes.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific garaging location which can decrease or increase premium rates significantly.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The comparison tables below may help you to understand the price difference when you select higher and lower coverage deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can impact auto insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $26 more each month or $312 each year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 35 months between claims, you would save money by going with a higher deductible.

Rate increases following a ticket or accident

The information below shows how traffic citations and accidents can affect Chevy HHR car insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Rate comparison of males versus females in Toledo

The chart below illustrates the difference between Chevy HHR insurance premiums for male and female drivers. Data assumes a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Chevy HHR.

Because many people only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like funeral costs, doctor visits, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability

This coverage protects you from injuries or damage you cause to other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, attorney fees and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible. Ohio state law requires minimum liability limits of 25/50/25 but drivers should carry more coverage.

The next chart demonstrates why buying the state minimum limits may not be adequate coverage.

Collision coverage

Collision coverage pays for damage to your HHR from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible on your HHR to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

One last note

We’ve covered many ways to save on Chevy HHR insurance in Toledo. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from an unexpected company. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.

A few companies do not offer price quotes online and usually these smaller providers only sell coverage through independent insurance agencies. Cost effective Chevy HHR insurance is available on the web and with local Toledo insurance agents, and you should be comparing both to get a complete price analysis.

When searching for the cheapest Chevrolet HHR rate quotes, you should never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

How to save on Chevy HHR insurance in Toledo

The most effective way to find low-cost Chevy HHR insurance in Toledo is to do an annual price comparison from different companies who sell insurance in Ohio. Prices can be compared by following these steps.

1. Learn about how insurance works and the changes you can make to lower rates. Many factors that result in higher rates like accidents, careless driving, and an imperfect credit score can be amended by making small lifestyle or driving habit changes.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can provide rate quotes from multiple insurance companies.
3. Compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.
4. Notify your company or agent to cancel your current policy and submit the completed application along with a down payment to the new insurer. Once coverage is bound, put the new certificate verifying coverage in an easily accessible location in your vehicle.

The most important part of shopping around is that you’ll want to compare similar coverage information on each quote request and to quote with as many different insurance providers as possible. This ensures a fair rate comparison and a complete rate analysis.

Much more information about insurance in Ohio is located below:

• Event Data Recorders FAQ (iihs.org)
• How Much are Car Insurance Quotes for a Honda CR-V in Toledo? (FAQ)
• How Much is Car Insurance for Single Moms in Toledo? (FAQ)
• Who Has the Cheapest Car Insurance for Ride Shares in Toledo? (FAQ)
• Who Has Cheap Car Insurance Quotes for Low Income Drivers in Toledo? (FAQ)
• Who Has the Cheapest Toledo Car Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Avoiding Deer Collisions (Insurance Information Institute)
• Determining Auto Insurance Rates (GEICO)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)