Best Insurance for a Chevy HHR in San Antonio

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Discount Chevy HHR insuranceWant to know how to find more competitive Chevy HHR insurance in San Antonio? Finding the cheapest insurance for a Chevy HHR in Texas can normally be a lot of work, but you can use these tips to save time. There is a better way to shop for auto insurance and we'll show you the proper way to price shop coverage for a Chevy and get the lowest price from San Antonio insurance agents and online providers.

If you are already insured or just want cheaper coverage, use these cost-cutting techniques to reduce the price you pay and still get good coverage. Finding and comparing affordable car insurance coverage in San Antonio is simple if you know the tricks. Smart buyers only need to know the proper methods to compare prices online.

How to find low cost Chevy HHR insurance in San Antonio, Texas

Most larger insurance companies like State Farm, GEICO and Progressive allow you to get prices for coverage from their websites. Doing online quotes for Chevy HHR insurance in San Antonio is easy for anyone because it's just a matter of typing in the amount of coverage you want into the form. After you complete the form, the quote system automatically orders your driving and credit reports and provides a quote based on many factors.

This streamlines rate comparisons, and it is imperative to do this if you want to get cheaper rates.

To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you type in your coverages identical to your current policy. Doing this assures you're receiving an apples-to-apples comparison for the exact same coverage.

The car insurance companies shown below are ready to provide price quotes in San Antonio, TX. If several companies are displayed, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Chevy HHR insurance coverage information

The coverage information shown below highlights detailed analysis of insurance rates for Chevy HHR models. Having knowledge of how insurance policy premiums are calculated can be valuable when making smart choices when comparing insurance quotes.

Chevrolet HHR Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $300 $492 $514 $30 $154 $1,490 $124
HHR LT $300 $492 $514 $30 $154 $1,490 $124
HHR SS $334 $668 $514 $30 $154 $1,700 $142
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can influence premiums noticeably.

Deductible analysis

One of the most common insurance questions is the level to set your comp and collision deductibles. The comparisons below can help you understand the premium difference between high and low coverage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Chevrolet HHR insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $332 $496 $382 $22 $114 $1,371 $114
HHR LT $332 $496 $382 $22 $114 $1,371 $114
HHR SS $370 $672 $382 $22 $114 $1,585 $132
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Chevrolet HHR insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $206 $312 $382 $22 $114 $1,036 $86
HHR LT $206 $312 $382 $22 $114 $1,036 $86
HHR SS $228 $424 $382 $22 $114 $1,170 $98
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle garaging location which can influence prices noticeably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $30 more each month or $360 for a full year across all Chevrolet HHR models than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 25 months between claim filings, you would come out ahead by selecting a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $120
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important caveat is that raising deductibles means you pay more out-of-pocket when you have a claim. It will be required that you have some funds available in the event you have to pay the deductible for vehicle repair.

Choosing the best vehicle insurance in Texas is an important decision

Despite the high cost of buying insurance for a Chevy HHR in San Antonio, maintaining insurance serves a purpose in several ways.

  • Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your vehicle, most lenders will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Chevy for a much higher rate and require you to fork over much more than you were paying before.
  • Insurance safeguards not only your Chevy HHR but also your financial assets. It will also cover medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of insuring your car definitely exceed the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $850 per year so compare quotes from several companies at every policy renewal to ensure rates are competitive.

Lower Your San Antonio Insurance Costs

An important part of buying insurance is that you know some of the things that are used to determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower auto insurance prices. Many factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but others are more transparent like your vehicle usage or your vehicle rating.

Long commutes cost more - The higher the miles on your Chevy in a year the more you'll pay to insure your vehicle. A lot of companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your HHR is just wasting money. It's always a good idea to double check that your declarations sheet properly reflects the correct driver usage, because it can save money.

Big city or small town - Being located in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Fewer drivers means reduced accidents in addition to fewer liability claims. City drivers have to deal with more auto accidents and much longer commute distances. More time behind the wheel means a statistically higher chance of an accident.

Performance impacts prices - The performance level of the vehicle you are trying to find cheaper insurance for makes a significant difference in how high your rates are. Lower cost passenger cars generally have the cheapest insurance rates, but that's not the only thing that factors into the final price.

The following chart is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Chevrolet HHR policy rates compared to other makes and models that have different risk factors.

Coverage lapses raise rates - Not having insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, not being able to provide proof of insurance could earn you a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.

Do women or men drive better? - Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Both sexes get in at-fault accidents at a similar rate, but the males cause more damage. Men also statistically receive more costly citations like driving under the influence (DUI).

The diagram below shows the difference between Chevy HHR car insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

How old are your drivers? - Inexperience drivers tend to be careless and easily distracted when driving with friends so they pay higher auto insurance rates. Parents adding a inexperienced driver onto a policy can really hurt. More mature drivers are more responsible, statistically cause fewer accidents, and are safer drivers.

The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Do I need special coverages?

When it comes to proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Your financial needs are unique.Higher deductibles save money

These are some specific questions can help discover whether your personal situation might need an agent's assistance.

  • Am I covered when driving someone else's vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy additional glass protection?
  • If I use my vehicle for business use is it covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if a claim settlement is too low?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

Persistence will pay off

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

We've covered a lot of techniques to save on Chevy HHR insurance in San Antonio. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the lowest rates are with a small mutual company.

Some insurance providers may not offer internet price quotes and these smaller providers sell through local independent agents. Budget-friendly auto insurance in San Antonio is possible on the web and also from your neighborhood San Antonio agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

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