Best Quotes for Chevy HHR Insurance in Arlington

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Are you overwhelmed by the number of auto insurance sources in Arlington? Many other drivers are as well. Vehicle owners have so many options that it can turn into a challenge to find a more affordable company. If you live there, you know that Arlington is an awesome place to live, but high auto insurance premiums makes it very hard to be able to buy decent coverage.

Discount Chevy HHR insuranceIt's safe to conclude that auto insurance companies don't want you shop around. People who get price quotes annually will most likely switch auto insurance companies because there is a high probability of finding discount prices. A study showed that consumers who routinely compared rates saved as much as $850 each year as compared to drivers who never shopped around for lower prices.

If finding budget-friendly car insurance in Arlington is your intention, then learning about the best way to quote and compare auto insurance can help simplify the task of finding more affordable coverage.

It's important to price shop coverage at least once a year because auto insurance prices are usually higher with each renewal. Just because you had the lowest rates on Chevy HHR insurance in Arlington a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because we're going to show you one of the quickest ways to find lower rates on auto insurance.

This article's goal is to teach you how car insurance works and some money-saving tips. If you have a current auto insurance policy, you will most likely be able to shop for the lowest rates using these tips. But Texas car owners must know how insurance companies determine what you pay and take advantage of how the system works.

Most of the larger companies such as Progressive, GEICO, Allstate and State Farm give pricing on their websites. Comparing prices online for Chevy HHR insurance in Arlington is easy for anyone as all you need to do is type in the coverage amounts you desire as requested by the quote form. Once entered, the system pulls information on your driving record and credit history and returns a price quote based on many factors.

Being able to quote online for Chevy HHR insurance in Arlington simplifies rate comparisons, and it's absolutely necessary to get many rate quotes in order to get cheap insurance pricing.

To quickly compare rates now, check out the insurance providers below. If you have your current policy handy, we recommend that you enter deductibles and limits as shown on your current policy. This guarantees you are getting comparison quotes for similar insurance coverage.

The following companies provide price quotes in Texas. If your goal is to find cheap car insurance in Arlington, we recommend you compare several of them to find the most affordable car insurance rates.

Insurance coverage details

The premium information displayed below outlines a range of coverage costs for Chevy HHR models. Learning as much as possible about how insurance policy rates are formulated can be useful when making smart choices when buying a policy.

Chevrolet HHR Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $234 $312 $500 $30 $150 $1,226 $102
HHR LT $234 $312 $500 $30 $150 $1,226 $102
HHR SS $260 $424 $500 $30 $150 $1,364 $114
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Arlington which can modify prices substantially.

Policy deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below may help you to understand the price difference between low and high insurance deductibles. The first pricing table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Chevrolet HHR insurance rates 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $270 $400 $382 $22 $114 $1,188 $99
HHR LT $270 $400 $382 $22 $114 $1,188 $99
HHR SS $300 $542 $382 $22 $114 $1,360 $113
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in vehicle location which can affect rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 16 months between claims, you would most likely save money by selecting a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $120
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that raising deductibles means you pay more out-of-pocket when you have a physical damage claim. You need to have enough extra money in the event you have to pay the deductible for vehicle repair.

The example below highlights how deductible selection and can impact Chevy HHR insurance costs for different categories of driver ages. The prices are based on a married female driver, full coverage, and no discounts are applied.

Chevrolet HHR liability rates compared to full coverage

The illustration below compares Chevy HHR annual premium costs with and without full coverage. The premiums assume no accidents or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comp and collision

There is no set rule to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's pretend your Chevy HHR book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your policy deductible. If premiums are more than $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Insurance does more than just repair your car

Even though it can be expensive, paying for insurance serves an important purpose.

  • The majority of states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance if you want to drive 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 bought your Chevy with a loan, it's most likely the lender will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Chevy at an extremely high rate and force you to pay for the much more expensive policy.
  • Insurance safeguards both your car and your assets. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance definitely exceed the price paid, especially if you ever need it. According to a recent study, the average American driver overpays as much as $830 a year so compare rate quotes at least once a year to help ensure money is not being wasted.

How Your HHR Insurance Premiums are Determined

An important part of buying insurance is that you know the factors that aid in calculating the rates you pay for car insurance. When you know what positively or negatively determines premiums, this allows you to make educated decisions that may result in lower rates. Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other factors are not as apparent such as your marital status or your vehicle rating.

Listed below are some of the things used by insurance companies to determine your rate level.

  • Raising physical damage deductibles lowers costs - The deductibles you choose define how much the insured will be required to pay if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are rear-ending another vehicle, collision with a deer, and damage from wind. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
  • Vehicle features can affect premiums - Buying a car with an alarm system can save you a little every year. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Put fewer miles on your vehicle - The more miles you rack up on your Chevy in a year the more you'll pay to insure it. A lot of companies calculate rates partially by how you use the vehicle. Cars and trucks that sit idle most of the time can be on a lower rate level compared to those used for work or business. It's a good idea to make sure your vehicle rating states the proper vehicle usage, because it can save money. Having the wrong rating on your HHR is throwing money out the window.
  • Discounts for auto and home policies - Lots of companies apply a discount to policyholders that have more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you already get this discount, you still need to shop around to verify if the discount is saving money.There is a chance you can save even more than the discount even if you insure with multiple companies
  • Discounts for married couples - Having a wife or husband may earn you lower rates compared to being single. Having a significant other is viewed as being more financially stable and it's statistically proven that married drivers tend to have fewer serious accidents.
  • Where you reside plays a part - Having an address in a small town can save you money when it comes to car insurance. Fewer drivers on the road means less chance of accidents. City drivers have more road rage incidents and a longer drive to work. More time behind the wheel can result in more accidents.
  • Eliminate unneeded extra policy coverages - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death, and extra equipment coverage are some examples. The coverages may be enticing when buying your policy, but if you have no use for them remove them from your policy.
  • Avoid coverage lapses - Driving without insurance is not a good idea and companies may charge more for letting your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license.

Arlington insurance discounts for a Chevy HHR

Buying car insurance is not cheap, but there could be available discounts that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but a few need to be requested specifically before being credited. If you are not receiving all the discounts possible, you could be getting lower rates.Save money with discounts

  • Use Seat Belts - Forcing all vehicle occupants to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • College Student - Children who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Mature Driver Discount - Mature drivers may be able to get reduced rates.
  • Active Service Discounts - Being deployed with a military unit may qualify for rate reductions.
  • Early Switch Discount - Select companies give a discount for buying a new policy before your current coverage expires. This discount can save up to 10%.
  • Telematics Devices - Drivers that enable their insurance company to look at driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates if they are good drivers.
  • Defensive Driver - Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Good Student - A discount for being a good student may save as much as 25% on a Arlington auto insurance quote. You can use this discount normally up until you turn 25.

It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, nobody gets a free ride.

The example below visualizes the comparison of Chevy HHR annual premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.

A list of companies and a selection of discounts include:

  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, accident-free, Steer Clear safe driver discount, good student, and student away at school.
  • American Family may offer discounts for bundled insurance, accident-free, early bird, good driver, Steer into Savings, defensive driver, and mySafetyValet.
  • AAA has discounts for AAA membership discount, anti-theft, good student, education and occupation, multi-policy, and pay-in-full.
  • GEICO may include discounts for good student, membership and employees, anti-lock brakes, daytime running lights, and multi-vehicle.
  • Mercury Insurance discounts include good driver, annual mileage, multi-policy, location of vehicle, and low natural disaster claims.
  • Farmers Insurance offers discounts for mature driver, multi-car, bundle discounts, homeowner, and pay in full.
  • Progressive offers premium reductions for homeowner, multi-vehicle, multi-policy, continuous coverage, and good student.

Double check with each company or agent how you can save money. Some discounts might not be offered in every state. To locate providers that offer multiple discounts in Arlington, follow this link.

Independent and exclusive insurance agents

Certain consumers prefer to sit down with an agent and that is just fine! An additional benefit of comparing insurance online is the fact that you can find better rates and still have a local agent. And buying from local agencies is important especially in Arlington.

To find an agent, once you fill out this quick form, your insurance data is emailed to participating agents in Arlington who want to provide quotes for your business. It makes it easy because there is no need to drive around since price quotes are sent to you. You can find better rates AND a local agent. If you need to get a rate quote from a specific company, don't hesitate to navigate to their website and submit a quote form there.

What types of auto insurance agents are in Arlington?

When searching for a local insurance agency, it helps to know the two different types of agencies from which to choose. Agents can be categorized as either exclusive or independent.

Independent Insurance Agents

Independent agents do not have single company limitations and that enables them to quote your coverage with any number of different companies and get the cheapest rates. If your premiums go up, the business is moved internally and you don't have to find a new agent. When comparing insurance rates, you need to get quotes from several independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with companies you've never heard of which can be an advantage.

Below is a partial list of independent insurance agents in Arlington that may be able to provide free rate quotes.

View more Arlington agents

Exclusive Agents

Agents that choose to be exclusive can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. They generally cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their company's products and that allows them to sell at a higher price point. Consumers sometimes buy from the same agent for years partially due to the brand legacy and strong financial ratings.

Shown below is a list of exclusive agents in Arlington that can give you price quotes.

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Deciding on an auto insurance agent requires more thought than just a low price. Here are some questions you might want to ask.

  • Do the companies they represent have a solid financial rating?
  • Do they have a Better Business Bureau rating in Arlington?
  • Does the agent have a valid license to sell insurance in Texas?
  • How many years of experience in personal auto insurance do they have?
  • Are all drivers listed on the coverage quote?
  • Is auto insurance their primary focus in Arlington?

Arlington auto insurance companies ranked

Insuring your vehicle with the best auto insurance provider can be challenging considering how many different companies insure vehicles in Texas. The ranking data shown next could help you pick which providers you want to consider putting your business with.

Best Auto Insurance Companies in Arlington
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Cheap insurance rates are available

Cheaper insurance in Arlington can be found both online and from local insurance agents, so get free Arlington auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies do not offer online price quotes and these smaller providers only sell through independent agents.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, questionable increases in premium, policy non-renewal and policy cancellation. Regardless of your reason, switching companies can be pretty painless.

When you buy Arlington auto insurance online, don't be tempted to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn't have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.

Steps to finding cheaper rates for Chevy HHR insurance in Arlington

If you want to find the absolute lowest rates, then the best way to get the cheapest Chevy HHR insurance is to start comparing prices regularly from different companies who provide car insurance in Arlington. You can compare rates by following these guidelines.

  1. Try to understand how your policy works and the factors you can control to prevent high rates. Many risk factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit score can be amended by making small lifestyle or driving habit changes.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
  3. Compare the new rates to your current policy to see if a cheaper rate is available. If you can save money and decide to switch, make sure there is no lapse in coverage.

An important part of this process is to use the same amount of coverage on every price quote and and to get rates from as many car insurance companies as possible. This provides an apples-to-apples comparison and a thorough price selection.

More information can be found at the links below