Cheapest Chevy HHR Insurance in Honolulu

It’s an obvious conclusion that car insurance companies don’t want you quoting rates from other companies. Drivers who shop around for cheaper price quotes will probably switch insurance companies because there are good odds of finding more affordable rates. A survey found that drivers who compared price quotes annually saved on average $3,400 over four years compared to those who never shopped around for cheaper prices.

If finding discount rates on Chevy HHR insurance is the reason for your visit, understanding how to find companies and compare insurance can help make the process easier.

Insurance for Chevy HHRThe most effective way to find affordable Chevy HHR insurance is to start comparing rates regularly from companies who sell insurance in Honolulu.

  1. Try to learn a little about what is in your policy and the things you can change to keep rates low. Many rating criteria that are responsible for high rates such as at-fault accidents, careless driving, and an imperfect credit rating can be amended by paying attention to minor details.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from many different companies.
  3. Compare the new rate quotes to your current policy to determine if you can save on HHR insurance. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The critical component of shopping around is that you use similar deductibles and liability limits on every quote and and to get rates from as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and maximum price selection.

When shopping for the cheapest Chevrolet HHR rate quotes, there are a couple of ways of comparing price quotes from different companies. The fastest way to find competitive insurance rates is to get quotes online.

When comparison shopping, obtaining a wide range of quotes provides better odds of finding the best offered rates.

The companies shown below provide quotes in Hawaii. If several companies are displayed, we recommend you visit two to three different companies in order to find the most competitive rates.

Coverage information

The price information displayed below covers different policy rates for Chevy HHR models. Being aware of how premiums are determined is important to be able to make decisions when choosing a new policy provider.

Chevrolet HHR Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $182 $272 $270 $16 $80 $820 $68
HHR LT $182 $272 $270 $16 $80 $820 $68
HHR SS $202 $370 $270 $16 $80 $938 $78
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific zip code location which can influence premium rates significantly.

Rate comparison for different deductibles

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The comparisons below can help you visualize the premium difference when you choose different physical damage deductibles. The first data set uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Chevrolet HHR insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $230 $344 $264 $16 $80 $959 $80
HHR LT $230 $344 $264 $16 $80 $959 $80
HHR SS $258 $468 $264 $16 $80 $1,111 $93
Get Your Own Custom Quote Go

Chevrolet HHR insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $142 $216 $264 $16 $80 $718 $60
HHR LT $142 $216 $264 $16 $80 $718 $60
HHR SS $158 $294 $264 $16 $80 $812 $68
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in vehicle location which can influence coverage prices substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $21 more each month or $252 every year than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 36 months between claim filings, you would come out ahead if you decide on a higher deductible.

The illustration below illustrates how choosing a deductible and can increase or decrease Chevy HHR premium costs for each different age category. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Three good reasons to insure your HHR

Despite the fact that auto insurance is not cheap in Honolulu, buying auto insurance is not optional due to several reasons.

First, most states have mandatory insurance requirements which means the state requires a specific level of liability insurance if you don’t want to risk a ticket. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Chevy HHR with a loan, most banks will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If the policy lapses, the lender may insure your Chevy at a significantly higher premium and make you pay for the much more expensive policy.

Third, insurance protects both your Chevy HHR and your personal assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America is overpaying over $869 every year so compare quotes from several companies every year to ensure rates are competitive.

Decisions You Make Can Impact Your Insurance Premiums

Lots of things are part of the calculation when you get a price on insurance. Some are pretty understandable such as your driving history, although others are less obvious like your vehicle usage or your financial responsibility. A large part of saving on car insurance is knowing a few of the rating criteria that go into determining the price you pay for car insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings.

The items below are some of the most rate-impacting factors used by companies to determine your prices.

Find cheaper rates by being thorough

Throughout this article, we presented a lot of tips how to shop for Chevy HHR insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost Honolulu car insurance quotes. You may even discover the best price on auto insurance is with a smaller regional carrier.

When getting Honolulu car insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Discount Chevy HHR insurance in Honolulu can be found from both online companies and from local agencies, so get free Honolulu car insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have price quotes online and many times these smaller companies prefer to sell through independent insurance agencies.

More tips and info about auto insurance can be found in these articles: