Affordable Chevy HHR Insurance in Jacksonville

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Are you burned out from not being able to scrape enough together to make your car insurance payment? You have the same problem as millions of other drivers.

Insurance for Chevy HHRIt's an obvious statement that car insurance companies don't want their customers to go rate shopping. Insureds who shop around for cheaper rates are likely to buy a different policy because of the good chance of finding a policy with better rates. A recent survey found that drivers who routinely shopped for cheaper coverage saved on average $850 each year as compared to drivers who never compared other company's rates.

If finding the most affordable Chevy HHR insurance is the reason you're reading this, learning the best way to quote and compare auto insurance can save time and money.

Due to the large number of insurance providers from which to choose, it can be difficult for people to locate the lowest price company.

Free Jacksonville Chevy HHR insurance quotes

To get affordable Chevrolet HHR insurance quotes, there a variety of ways to compare quotes from many different Florida insurance companies. The easiest way by far to find the lowest Chevy HHR rates is to use the internet to compare rates.

Getting free quotes online is quite simple, and it takes the place of having to spend time driving to insurance agents' offices. Comparing online rate quotes makes this unnecessary unless your situation requires the personal advice only provided by licensed Jacksonville agents. It is possible to get prices online but still have the advice of a local agent. Keep in mind that quoting more will improve the odds of getting better pricing.

The providers in the list below can provide price comparisons in Florida. If multiple providers are shown, it's a good idea that you visit as many as you can in order to find the most competitive rates.

Get cheaper Chevy HHR insurance rates in Jacksonville

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even know about. Some of these discounts will be visible at the time of purchase, but some must be specially asked for before being credited. If they aren't giving you every credit you deserve, you're paying more than you need to.Insurance discounts

  • Switch and Save Discount - Some insurance companies reward drivers for buying a policy prior to your current HHR insurance policy expiration. This can save 10% or more.
  • Good Students Pay Less - Being a good student can save 20 to 25%. Most companies allow this discount up to age 25.
  • Student in College - Any of your kids who live away from home at college and leave their car at home could get you a discount.
  • Senior Citizen Discount - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Theft Deterrent - Cars optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Online Discount - A few insurance companies may give you up to $50 for buying your policy digitally online.
  • Life Insurance Discount - Larger companies have a break if you buy some life insurance too.
  • Bundled Policy Discount - If you have multiple policies with one company they may give you a discount of approximately 10% to 15%.
  • Professional Memberships - Joining qualifying employment or professional organizations could qualify you for a break on your next insurance statement.
  • Government Employees - Federal government employees can earn a discount up to 10% with select insurance companies.

Consumers should know that some credits don't apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free insurance policy, you won't be that lucky.

The illustration below visualizes the comparison of Chevy HHR auto insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, claim-free, homeowner, and multi-policy discounts applied.

To find insurance companies who offer online Chevy HHR insurance quotes in Florida, click here to view.

Chevy HHR insurance coverage information

The premium table shown next covers estimates of insurance policy prices for Chevy HHR models. Knowing how rates are calculated can benefit drivers when making smart buying decisions.

Chevrolet HHR Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $220 $392 $504 $30 $152 $1,298 $108
HHR LT $220 $392 $504 $30 $152 $1,298 $108
HHR SS $246 $532 $504 $30 $152 $1,464 $122
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can affect rates substantially.

Physical damage deductibles

One common question asked by Jacksonville drivers is how low should you set your deductibles. The comparison tables below can help you understand the differences in premium rates when you choose different coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Chevrolet HHR insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $406 $648 $418 $24 $124 $1,645 $137
HHR LT $406 $648 $418 $24 $124 $1,645 $137
HHR SS $452 $880 $418 $24 $124 $1,923 $160
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Chevrolet HHR insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $224 $342 $418 $24 $124 $1,132 $94
HHR LT $224 $342 $418 $24 $124 $1,132 $94
HHR SS $250 $464 $418 $24 $124 $1,280 $107
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in your specific Jacksonville location which can alter prices considerably.

Based on these figures, using a $100 deductible will cost you about $47 more each month or $564 a year than buying the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 19 months between claim filings, you would save money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $145
Average monthly premium for $1,000 deductibles (subtract): - $98
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket if you have a claim. You should have some funds available in order to pay the deductible to have repairs made.

Should you buy full coverage?

The information below shows the comparison of Chevy HHR auto insurance rates with full coverage and liability only. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no specific rule for eliminating physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Chevy HHR settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If premiums are more than $800 a year for your policy with full coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Lower Insurance Rates with These Tips

Many different elements are considered when you get a price on insurance. A few of the factors are predictable like an MVR report, but other criteria are less obvious like where you live or your commute time.

The factors shown below are some of the things that factor into rates.

  • Are you male or female? - The statistics show that females take fewer risks when driving. This data doesn't prove that women are better drivers. Women and men are in fender benders at a similar rate, but guys tend to have more serious accidents. Not only that, but men also get ticketed for serious violations like reckless driving and DUI.

    The example below illustrates the difference between Chevy HHR insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

  • Premiums are affected by your credit score - Your credit score is a large factor in determining what you pay for insurance. Consumers who have very high credit ratings tend to file fewer claims than drivers with lower ratings. Therefore, if your credit score is lower than you'd like, you could be paying less to insure your Chevrolet HHR by improving your rating.
  • Teenage drivers pay higher prices - Mature drivers are more responsible, cost insurance companies less in claims, and are safer drivers. Teen drivers are statistically proven to get distracted easily with other occupants in the car so insurance rates are higher.

    The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Vehicles with better crash test results save money - Safer cars can get you lower premiums. These vehicles have better occupant injury protection and lower rates of occupant injuries means less claims paid which can result in lower premiums. If the Chevy HHR is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may qualify for a discount.