How to Save on Scottsdale Chevy HHR Insurance

Think you have an overpriced car insurance policy? It’s a common feeling and many Scottsdale drivers have buyer’s remorse.

Remarkably, a study showed that most drivers in Arizona have stayed with the same insurance company for well over three years, and almost half have never even shopped around for lower-cost coverage. Drivers in America could save $859 every year just by comparing rates, but most undervalue the rate savings if they switch to a new company.

Steps to buying cheaper Chevy HHR insurance in Scottsdale

The best way we recommend to get more affordable Chevy HHR insurance is to regularly compare prices from companies that insure vehicles in Scottsdale. Prices can be compared by following these steps.

• Step 1: Get a basic knowledge of auto insurance and the modifications you can make to keep rates down. Many rating criteria that result in higher rates like speeding tickets, careless driving and an unacceptable credit rating can be remedied by being financially responsible and driving safely. Later in this article we will cover the details to help reduce prices and find missing discounts.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agencies can quote rates for a wide range of companies.
• Step 3: Compare the quotes to the premium of your current policy and determine if cheaper HHR coverage is available. If you find better rates and buy the policy, make sure there is no lapse in coverage.
• Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit payment and a completed application to the new company. Once coverage is bound, keep the new certificate verifying coverage in an accessible location in your vehicle.

One thing to remember is to try to compare identical coverages on each quote and and to get price estimates from as many auto insurance providers as possible. This helps ensure a fair price comparison and the best price selection.

Due to the abundance of options for buying lower-cost insurance for a Chevy HHR in Scottsdale, it can be challenging to find the cheapest insurer.

Consumers need to price shop coverage yearly because prices are variable and change quite frequently. Just because you had the best rates on Chevy HHR insurance in Scottsdale last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Best companies for competitive Chevy HHR insurance in Arizona

The auto insurance companies shown below are ready to provide price quotes in Arizona. If you wish to find cheap auto insurance in Scottsdale, we recommend you get rates from several of them to get the lowest price.

Chevy HHR insurance rate analysis

The premium table below covers estimates of policy rates for Chevy HHR models. Having a better understanding of how car insurance prices are formulated is important to be able to make informed coverage decisions.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in garaging location in Scottsdale which can lower or raise premium rates greatly.

Policy deductibles

When buying auto insurance, a common question is at what level do you set your deductibles. The following insurance rates approximate the premium difference when you choose different comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in garaging location in Scottsdale which can lower or raise insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible costs approximately $24 more each month or $288 a year averaged for all HHR models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 31 months between claims, you would probably come out ahead going with the higher deductible.

Illustration showing the impact of accidents and violations

The diagram below shows how traffic citations and at-fault accidents can affect Chevy HHR insurance costs for each age group. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

How do Insurance Companies Determine Chevy HHR Insurance Rates?

An important part of buying insurance is that you know some of the factors that play a part in calculating the price you pay for auto insurance. If you know what determines premiums, this allows you to make educated decisions that can help you get cheaper rates.

Listed below are a few of the things companies use to determine your rate level.

• Theft deterrents save – Purchasing a vehicle with an alarm system can save you some money. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

• Battle of the sexes – Statistics have proven that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. Men and women cause fender benders in similar percentages, but the males tend to have more serious accidents. Men also receive more costly citations like driving under the influence (DUI). Male teenagers have the highest risk to insure and therefore are the most expensive to insure.

  The chart below shows the difference between Chevy HHR auto insurance rates for male and female drivers. The data assumes no violations or accidents, full coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

• Add-on coverages can add up – There are many additional coverages that may not really be needed if you aren’t diligent. Coverages for coverage for rental cars, death and dismemberment, and term life insurance may be costing you every month. The coverages may be enticing when talking to your agent, but your needs may have changed so remove them from your policy.
• See if your company offers a multi-policy discount – Lots of auto insurance companies give lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to compare other Scottsdale HHR insurance rates to guarantee you are still saving the most.
• Discounts for married drivers – Getting married helps lower the price when buying auto insurance. It generally demonstrates drivers are more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
• Annual miles impacts premiums – The more miles you rack up on your Chevy every year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based on how the vehicle is used. Cars left parked in the garage get more affordable rates compared to those used for work or business. Having an incorrect usage rating on your HHR is just wasting money. Double check that your auto insurance coverage is showing the correct usage for each vehicle, because improper ratings can cost you money.

Verify you’re earning every discount

Companies don’t list every discount available very well, so here is a list some of the best known and the more hidden credits available to bring down your rates.

• Accident Free – Scottsdale drivers who stay claim-free can save substantially as opposed to drivers who are more careless.
• Bundle and Save – If you can bundle your auto and homeowners insurance with one insurance company you may earn at least 10 to 15 percent or more.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
• Good Grades Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Paperless Signup – A handful of companies will give a small break for buying your policy on the web.
• Government Employee Discount – Employees or retirees of the government may reduce rates when you quote Scottsdale car insurance with select insurance companies.
• Early Renewal Discounts – Select larger companies give a discount for signing up prior to your current HHR insurance policy expiration. It can save you around 10%.
• ABS Brakes – Cars with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.

You should keep in mind that most credits do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts should definitely cut your policy premiums.

The information below compares Chevy HHR premium costs with and without discounts applied. The rate quotes are based on a female driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts can be found below.

• Progressive may include discounts for continuous coverage, online signing, online quote discount, multi-policy, multi-vehicle, and homeowner.
• AAA offers discounts including pay-in-full, education and occupation, multi-policy, multi-car, good student, and AAA membership discount.
• Farmers Insurance offers premium reductions for bundle discounts, distant student, multi-car, homeowner, and early shopping.
• GEICO may have discounts that include military active duty, air bags, federal employee, emergency military deployment, daytime running lights, anti-lock brakes, and defensive driver.
• Esurance policyholders can earn discounts including online quote, Pac-12 alumni, anti-theft, homeowner, and paid-in-full.
• SAFECO discounts include teen safety rewards, teen safe driver, anti-theft, anti-lock brakes, homeowner, and drive less.
• State Farm may offer discounts for multiple autos, driver’s education, student away at school, good student, Drive Safe & Save, defensive driving training, and accident-free.

When getting free Scottsdale car insurance quotes, it’s a good idea to each company to apply every possible discount. Some discounts might not apply in Scottsdale. To locate insurance companies with discount rates in Scottsdale, click here.

Auto insurance agents can help

Many drivers would rather have an agent’s advice and doing that can be a smart decision One of the benefits of getting online price quotes is that you can find lower car insurance rates and still have a local agent.

To find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to local insurance agents that can provide free Scottsdale car insurance quotes for your coverage. You won’t even need to do any legwork since rate quotes are delivered immediately to you. Get lower rates and an insurance agent to talk to. If you need to get a comparison quote from a specific auto insurance provider, don’t hesitate to jump over to their website and fill out their quote form.

Picking an company should depend on more than just a low price. You should also get answers to these questions.

• What discounts might you be missing?
• Do they see any coverage gaps in your plan?
• Do they review policy coverages at every renewal?
• Is every driver in your family covered?
• What insurance companies do they work with in Scottsdale?

If you are searching for local Scottsdale agents, it can be helpful to understand the types of insurance agents and how they function. Agents in Scottsdale can be described as either independent agents or exclusive agents.

Exclusive Agents

Agents in the exclusive channel can only provide one company’s prices like State Farm or Allstate. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well on what they offer which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agents in Scottsdale that can give you price quotes.

More Scottsdale agents

Independent Insurance Agents

Agents that elect to be independent often have affiliation with several companies and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured. When comparing rates, you should always check rates from independent agents for the best price selection.

The following are independent agencies in Scottsdale who can help you get rate quotes.

More Scottsdale agents

Ratings for Arizona car insurance companies

Ending up with the top insurance provider is hard considering how many choices there are in Arizona. The information below can help you select which companies you want to consider comparing price quotes from.

A little work can save a LOT of money

Budget-conscious Chevy HHR insurance is attainable both online and from local agencies, so you should compare both to get a complete price analysis. There are still a few companies who don’t offer the ability to get quotes online and most of the time these small insurance companies only sell through independent insurance agents.

As you quote Scottsdale car insurance, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy enough coverage at a price you can afford.

How to find the cheapest rates for Chevy HHR insurance in Scottsdale

It takes a little time, but the best way to get discount Chevy HHR insurance is to compare quotes once a year from different companies who provide auto insurance in Scottsdale. You can shop around by following these guidelines.

Step 1: Read about what coverages are included in your policy and the factors you can control to prevent high rates. Many rating criteria that result in higher prices such as high-risk driving behaviors and a not-so-good credit score can be controlled by paying attention to minor details.

Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can quote rates for many different companies.

Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on HHR insurance in Scottsdale. If you find better rates, make sure there is no coverage gap between policies.

Step 4: Provide adequate notice to your current company of your intent to cancel the current policy. Submit the application along with any required down payment to your new company or agent. When you receive it, store the proof of insurance paperwork along with the vehicle’s registration papers.

One important bit of advice is to try to use the same coverage limits and deductibles on each quote request and and to get price quotes from as many companies as possible. Doing this provides a fair price comparison and many rates to choose from.

Additional resources

• Bodily Injury Coverage (Liberty Mutual)
• How Much are Auto Insurance Rates for a Nissan Rogue in Scottsdale? (FAQ)
• What Car Insurance is Cheapest for a 20 Year Old Female in Scottsdale? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Crash Avoidance Technologies FAQ (iihs.org)