Car Insurance Quotes for a Chevy HHR in Sacramento

It goes without saying that insurance companies don’t want you to look for a cheaper policy. People who shop around for cheaper price quotes are likely to buy a new policy because there is a good probability of finding a more affordable policy. A survey found that people who faithfully checked for cheaper rates saved $3,500 over four years compared to those who never shopped around for lower prices.

If finding the lowest price for auto insurance in Sacramento is why you’re here, then understanding the best way to shop and compare insurance coverage can make it easier to shop your coverage around.

The recommended way to get affordable Chevy HHR insurance in Sacramento is to start doing an annual price comparison from insurers that insure vehicles in California. Rates can be compared by following these guidelines.

Step 1: Get a basic knowledge of the different coverages in a policy and the modifications you can make to prevent rate increases. Many rating factors that drive up the price like speeding tickets, careless driving and a negative credit score can be amended by improving your driving habits or financial responsibility. Later in this article we will cover tips to help reduce premium rates and get additional discounts that may be available.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of companies.

Step 3: Compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and change companies, make sure there is no coverage gap between policies.

Step 4: Notify your agent or company of your decision to cancel your current auto insurance policy. Submit the application along with any required down payment for the new policy. Once coverage is bound, place the new certificate verifying coverage with the vehicle registration.

An important note is that you’ll want to compare identical limits and deductibles on every quote request and and to get rate quotes from as many different companies as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.

If you are insured now or are just looking to switch companies, take advantage of these tips to find better prices and possibly find even better coverage. This information will familiarize you with how car insurance quotes work and also save some money in the process Vehicle owners just need to use the quickest way to compare rates using one simple form.

Companies offering Chevy HHR insurance in Sacramento

The following companies are our best choices to provide quotes in Sacramento, CA. To buy the best cheap car insurance in CA, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Insurance data for a Chevy HHR

The rate information shown next highlights estimates of prices for Chevy HHR models. Knowing how insurance quotes are established can help drivers make smart choices when choosing a car insurance company.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific garaging location which can increase or decrease coverage rates noticeably.

Physical damage deductible comparison

One frequently asked question is how high should the physical damage deductibles be. The figures shown below may help you to understand the difference in cost of buying low and high insurance deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can impact premium rates greatly.

Based on this data, using a $100 deductible could cost the average driver approximately $32 more each month or $384 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claim filings, you would save more money if you decide on a higher deductible.

Careless Sacramento drivers pay higher rates

The chart below shows how violations and accident claims raise Chevy HHR insurance premiums for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Male drivers versus female drivers

The diagram below shows the comparison of Chevy HHR insurance premiums for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Chevy HHR insurance premiums with liability coverage only compared to full coverage. The data assumes no accidents, no driving violations, $100 deductibles, single status, and no discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive formula for dropping full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Chevy HHR replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after you pay the deductible. If you are paying over $200 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Discounts mean cheaper rates for Chevy HHR insurance in Sacramento

Not too many consumers would say insurance is affordable, but there may be some discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be requested specifically before being credited.

• No Claim Discounts – Good drivers with no accidents pay much less in comparison to drivers who are more careless.
• Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Sacramento and do not have access to a covered vehicle may be able to be covered for less.
• Club Memberships – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a Sacramento auto insurance quote.
• Waiver for an Accident – Not really a discount, but some insurance companies will let one accident slide without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
• Defensive Driving Course – Taking time to complete a class that teaches driver safety techniques could possibly earn you a 5% discount and easily recoup the cost of the course.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

The chart below compares Chevy HHR car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

Some of the larger companies that may have these discounts are:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Double check with all the companies which discounts can lower your rates. Savings might not be offered on policies in Sacramento.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Your financial needs are unique so your insurance needs to address that. For example, these questions may help highlight whether you might need professional guidance.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is motorclub and do I need it?
• How high should my medical payments coverage be?
• At what point should I drop full coverage?
• How can I get high-risk coverage after a DUI?
• Does my medical payments coverage pay my health insurance deductible?
• Exactly who is provided coverage by my policy?
• Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance agents can help

A small number of people still like to visit with an insurance agent and that is recommended in a lot of cases Experienced insurance agents can answer important questions and will help you if you have claims. The best thing about comparing rates online is that drivers can save money and get cheaper prices and still have a local agent.

Once you complete this quick form, your information is immediately sent to local insurance agents in Sacramento who will give competitive quotes to get your business. There is no reason to contact any agents since rate quotes are delivered instantly to you. If you have a need to get a price quote from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.

Finding the right company should depend on more than just a low price. Agents should be asked these questions:

• Are they actively involved in the community?
• Is there a 24/7 contact number?
• What company do they have the most business with?
• Which companies can they place coverage with?
• Which members of your family are coverage by the policy?

The following are Sacramento insurance companies who can help you get comparison quotes for Chevy HHR insurance in Sacramento.

• Eugene C. Yates Insurance Agency
  2021 P St – Sacramento, CA 95811 – (916) 313-6100 – View Map
• State Farm Insurance: Max Lam
  2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600 – View Map
• Yeh Ferguson – State Farm Insurance Agent
  7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000 – View Map
• Darryl Fong – State Farm Insurance Agent
  8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map

More Sacramento agents

More effort can pay off

In this article, we presented some good ideas how to reduce Chevy HHR insurance prices online in Sacramento. The most important thing to understand is the more you quote Sacramento auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a smaller regional carrier. They may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Budget-conscious Chevy HHR insurance is attainable from both online companies in addition to many Sacramento insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies may not provide price quotes online and most of the time these smaller companies provide coverage only through independent insurance agents.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at an affordable rate.

Additional information can be found on the following sites:

• Auto Insurance for Teen Drivers (Insurance Information Institute)
• What Auto Insurance is Cheapest for Drivers with Bad Credit in Sacramento? (FAQ)
• Who Has Cheap Auto Insurance for Nurses in Sacramento? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)