If you want to save the most money, the best way to find low-cost Chevy HHR insurance in Charlotte is to regularly compare quotes from providers who provide car insurance in North Carolina. You can shop around by completing these steps.
- Try to learn about what is in your policy and the steps you can take to keep rates in check. Many factors that increase rates like speeding and a low credit score can be controlled by making minor changes in your lifestyle.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple sources.
- Compare the new rates to your existing rates to see if cheaper HHR coverage is available in Charlotte. If you find a lower rate quote, ensure coverage does not lapse between policies.
- Tell your current company to cancel your existing policy and submit payment and a signed application to the newly selected company. Immediately upon receiving it, store the certificate verifying coverage in your vehicle’s glove compartment or console.
The critical component of shopping around is to compare the same physical damage deductibles and liability limits on each quote request and and to analyze as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and and a good selection of different prices.
Everyone knows that insurance companies don’t want their policyholders to compare prices. People who shop around for cheaper prices are very likely to move their business because there is a great chance of finding a lower rate. A recent study showed that people who shopped around saved an average of $865 a year compared to policyholders who never shopped around.
If saving money on Chevy HHR insurance in Charlotte is your objective, then learning about the best way to compare insurance can make it easier for you to save money.
Learn How to Buy Insurance for Less
The best way to find cheaper insurance is to take a look at the factors that help determine the level of your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that can earn you better insurance rates. Many things are used when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although some other factors are not as apparent like where you live or your vehicle rating.
The items below are some of the items utilized by car insurance companies to help set rates.
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Insurance costs are higher for high performance vehicles – The make and model of the car, truck or SUV you own makes a big difference in your rates. The cheapest rates will generally be found on low performance passenger cars, but that’s not the only thing that factors into the final price.
The following chart uses these variables: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Chevrolet HHR rates compared to other models that have different performance risks.
- Small coverages can add up – There are a lot of additional extra coverages that you can buy on your insurance policy. Coverage for things like rental car reimbursement, towing, and Farm Bureau memberships are some examples. You may think they are a good idea when you first buy your policy, but if you have no use for them remove them from your policy.
- Your liability limits – The liability coverage on your policy kicks in in the event that a jury decides you are liable for an accident. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Marriage discount – Having a spouse may cut your premiums on your insurance policy. It is viewed as being more financially stable it has been statistically shown that married drivers tend to file fewer claims.
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Gender is a factor – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better drivers. Females and males have at-fault accidents at about the same rate, but men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
The information below shows the comparison of Chevy HHR insurance rates for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
- Cheaper prices for prior coverage – Not maintaining insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the North Carolina motor vehicle department to get your license reinstated.
Many insurance companies make it easy to get insurance quotes from their websites. Getting quotes for Chevy HHR insurance in Charlotte is pretty painless because it’s just a matter of typing in your personal and coverage information into a form. Once you submit the form, their system sends out for reports for credit and driving violations and returns a price quote based on many factors.
Getting online quotes for Chevy HHR insurance in Charlotte makes it easy to compare insurance prices and it’s also necessary to perform this step if you want to find lower-cost rates.
If you want to get comparison pricing now, take a look at the companies shown below. If you currently have coverage, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. Doing this assures you will get comparison quotes for similar insurance coverage.
The following companies offer price quotes in North Carolina. If you want cheap car insurance in North Carolina, we recommend you compare several of them to find the most affordable car insurance rates.
Analysis of coverages
The premium information displayed below highlights different prices for Chevy HHR models. Having a better understanding of how policy premiums are formulated is important for you to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $232 | $438 | $324 | $20 | $96 | $1,110 | $93 |
| HHR LT | $232 | $438 | $324 | $20 | $96 | $1,110 | $93 |
| HHR SS | $258 | $594 | $324 | $20 | $96 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can decrease or increase insurance rates considerably.
Can higher deductibles save money?
One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The premium rates below highlight the costs and benefits between low and high insurance deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| HHR LT | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| HHR SS | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| HHR LT | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| HHR SS | $196 | $354 | $250 | $14 | $74 | $888 | $74 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in Charlotte location which can modify premium rates considerably.
Based on the above data, using a $100 deductible will cost you approximately $19 more each month or $228 annually than quoting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 21 months between claims, you would probably save some money if you opt for a higher deductible.
Insurance does more than just protect your car
Despite the high cost, paying for insurance is a good idea for several reasons.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to be legal. In North Carolina 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 took out a loan on your Chevy, almost every bank will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Chevy at a significantly higher premium and force you to pay much more than you were paying before.
- Insurance preserves your car and your assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you in the event you are sued. 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 having insurance are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in Charlotte is wasting up to $820 a year so compare rates at least once a year to ensure rates are competitive.
Save a ton by earning discounts
Insuring your fleet can be pricey, but there could be available discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but some need to be manually applied in order for you to get them.
- Senior Citizens – If you’re over the age of 55, you are able to get a small decrease in premiums.
- Defensive Driving Course – Passing a course teaching safe driver skills is a good idea and can lower rates and make you a better driver.
- Accident-Free Discounts – Insureds who avoid accidents and claims pay much less in comparison to drivers with a long claim history.
- Telematics Devices – Drivers that enable driving data collection to monitor driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
- New Car Discount – Buying a new car model can be considerably cheaper because newer models are generally safer.
- Government Employee Discount – Federal government employees may qualify for a discount when you quote Charlotte auto insurance with some car insurance companies.
We need to note that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.
The illustration below illustrates the difference between Chevy HHR insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.
Some of the larger companies that have most of these discounts include:
Check with every insurance company how many discounts you can get. Some credits may not be offered in your state.
Buying from insurance agents
Certain consumers just prefer to have an agent’s advice and that can be a smart move The best thing about comparing rate quotes online is you can get lower rates but still work with a licensed agent. And supporting neighborhood agents is important particularly in Charlotte.
After filling out this short form, your coverage information is immediately sent to local insurance agents that provide free Charlotte auto insurance quotes to get your business. There is no need to visit any agencies since price quotes are sent to your email. You can find lower rates without having to waste a lot of time. If you wish to compare prices from a specific insurance company, you just need to visit that company’s website and fill out their quote form.
Two types of Charlotte auto insurance agents
If you want to use a local insurance agency, it’s helpful to know the types of insurance agents that you can select. Car insurance agents are categorized either exclusive agents or independent agents.
Independent Agents
Agents of this type do not work for one specific company and that gives them the ability to insure through lots of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you stay with the same agent.
When shopping rates, we highly recommend that you compare quotes from at a minimum one independent agency for the best price selection. Most have the option of insuring with small mutual carriers that may provide cheaper car insurance rates.
Featured below is a list of independent insurance agencies in Charlotte that may be able to give free rate quotes.
- RJR Insurance
7810 Ballantyne Commons Pkwy # 300 – Charlotte, NC 28277 – (704) 543-2700 – View Map - Nationwide Insurance: Timothy G Hausmann Agency
2313 Randolph Rd – Charlotte, NC 28207 – (704) 332-0011 – View Map - Honeycutt Insurance Agency
3121 Springbank Ln F – Charlotte, NC 28226 – (704) 752-8233 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies can only provide pricing for a single company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Drivers often buy from the same agent for years mainly due to the prominent brand name and strong financial ratings.
The following are exclusive insurance agencies in Charlotte that can give you comparison quotes.
- Michael Pritchard – State Farm Insurance Agent
8633 Monroe Rd d – Charlotte, NC 28212 – (704) 535-2292 – View Map - State Farm: Rob Heath
6215 Brookshire Blvd – Charlotte, NC 28216 – (704) 392-4166 – View Map - Howard Johnson Jr – State Farm Insurance Agent
5342 Docia Crossing Rd a – Charlotte, NC 28269 – (704) 947-7233 – View Map
Selecting an insurance agent shouldn’t rely on just a low price. Any agent in Charlotte should have no problem answering these questions:
- Is the agent and/or agency licensed to do business in North Carolina?
- How long has the business existed?
- Will they take your side in the event of a claim?
- What companies can they write with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they have a Better Business Bureau rating in Charlotte?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Your car insurance coverage should be tailored to you
When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help highlight whether you might need professional guidance.
- What is the minimum liability in North Carolina?
- What is high-risk coverage and where do I buy it?
- Am I covered if I back into my garage door?
- What is the rate difference between pleasure use and commuting?
- Does insurance cover tools stolen from my truck?
- Do I need PIP (personal injury protection) coverage in North Carolina?
- Do I need more liability coverage?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.
More effort can pay off
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
Some insurance companies may not have the ability to get quotes online and most of the time these smaller providers only sell through independent agencies. Budget-friendly insurance in Charlotte is attainable both online and from local agencies, and you need to comparison shop both to have the best selection.
Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, questionable increases in premium and even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company can be easier than you think.
More information can be found on the following sites:
- Auto Insurance Learning Center (State Farm)
- Who Has the Cheapest Car Insurance Rates for a Jeep Grand Cherokee in Charlotte? (FAQ)
- Teen Driving Statistics (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)