Locating discount Tampa Chevy HHR insurance quotes can appear to be intimidating for drivers that are not comfortable with quoting and buying insurance on the internet. Because there are so many online companies, how can anyone even start to compare every one to find cheaper car insurance rates?
We don’t have to tell you that insurance companies don’t want you to look at other companies. Consumers who shop around once a year will, in all likelihood, switch to a new company because they stand a good chance of getting low-cost coverage. A recent car insurance study revealed that people who shopped around saved approximately $3,400 over four years compared to other drivers who never shopped around.
If finding the most affordable auto insurance in Tampa is your objective, then having some knowledge of how to get free comparison quotes and analyze coverage rates can help simplify the process.
You need to price shop coverage before your next renewal because car insurance prices are usually higher with each renewal. Even if you think you had the best rates on Chevy HHR insurance in Tampa two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about HHR insurance on the internet, but in this article, you’re going to get some tested techniques to quit paying high car insurance rates in Tampa.
If you currently have car insurance, you will surely be able to shop for the lowest rates using these methods. Getting quotes for cheaper car insurance policy in Tampa is easy if you know what you’re doing. Nevertheless, Florida consumers benefit from understanding the way insurance companies price insurance differently and use it to find better rates.
When shopping for the cheapest Chevrolet HHR rate quotes, there are a couple of ways to get quotes from insurance companies in your area. The simplest method to comparison shop is simply to get online rate quotes. It’s important to know that comparing more prices increases the chance that you will find more affordable insurance. Some regional insurers cannot provide rate quotes online, so you also need to get rates from those companies as well.
The following companies are our best choices to provide price quotes in Florida. To find cheap car insurance in Tampa, we suggest you visit as many as you can in order to get a fair rate comparison.
Do you qualify for discounts on Chevy HHR insurance in Tampa?
Insuring your fleet can be pricey, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but some must be requested specifically prior to receiving the credit. If you do not check that you are getting every discount available, you are throwing money away.
- Lower Rates for Military – Having a deployed family member could qualify you for better premium rates.
- Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
- Telematics Data – People who choose to allow driving data submission to monitor driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
- Accident-Free Discounts – Claim-free drivers have much lower rates as compared to drivers who are more careless.
- Own a Home and Save – Simply owning a home can save a few bucks because of the fact that having a home is proof that your finances are in order.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a Tampa auto insurance quote.
- Discount for New Cars – Buying a new car instead of a used HHR can save up to 30% because newer vehicles are generally safer.
- Early Signing – A few companies give discounts for renewing your policy before your current HHR insurance policy expires. The savings is around 10%.
Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will reduce the premium cost.
The chart below visualizes the comparison of Chevy HHR auto insurance rates with and without policy discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, Florida 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 multi-policy, homeowner, multi-car, claim-free, marriage, and safe-driver discounts applied.
Larger car insurance companies and some of the premium reductions they offer are:
- State Farm has savings for student away at school, good student, driver’s education, accident-free, passive restraint, and multiple autos.
- Nationwide may include discounts for easy pay, accident-free, business or organization, Farm Bureau membership, defensive driving, multi-policy, and family plan.
- GEICO has discounts for anti-lock brakes, multi-vehicle, air bags, emergency military deployment, multi-policy, and anti-theft.
- AAA offers discounts including pay-in-full, multi-policy, anti-theft, education and occupation, and AAA membership discount.
- 21st Century may offer discounts for homeowners, teen driver, air bags, good student, theft prevention, and driver training.
- The Hartford offers premium reductions for driver training, bundle, air bag, defensive driver, anti-theft, vehicle fuel type, and good student.
Before buying, ask every prospective company what discounts are available to you. Discounts might not be offered in your state.
Coverage analysis
The price information shown next outlines detailed analysis of coverage costs for Chevy HHR models. Being more informed about how insurance rates are established is important for making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $368 | $596 | $430 | $26 | $128 | $1,548 | $129 |
| HHR LT | $368 | $596 | $430 | $26 | $128 | $1,548 | $129 |
| HHR SS | $410 | $810 | $430 | $26 | $128 | $1,804 | $150 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific Tampa garaging location which can impact insurance rates noticeably.
Rate comparison for different deductibles
One of the more difficult decisions when buying insurance is how high should the physical damage coverage deductibles be. The comparisons below can help you visualize the rate difference when you select higher and lower comp and collision deductibles. The first data table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| HHR LT | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| HHR SS | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| HHR LT | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| HHR SS | $330 | $594 | $418 | $24 | $124 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible costs about $18 more each month or $216 every year than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 14 months between claims, you would probably be better off by going with a higher deductible.
How accidents and violations affect rates in Tampa
The diagram below highlights how traffic violations and fender-benders can influence Chevy HHR car insurance rates for different insured age categories. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Local insurance agents
Some consumers just prefer to buy from a licensed agent and that is a smart decision The biggest benefit of comparing rate quotes online is you can get cheap rate quotes but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your information is submitted to companies in Tampa who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent immediately to you. You can find better rates without a big time investment. If you have a need to compare rates for a specific company, you can always visit that company’s website and fill out the quote form the provide.
Deciding on an insurance company should include more criteria than just a low price. Get answers to these questions too.
- Do they assist clients in filing claims?
- Are they in the agency full-time?
- Is their price quote a firm figure or are their hidden costs?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they paid to recommend certain coverages?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
After getting satisfactory answers as well as cheaper HHR insurance quotes, it’s a good possibility that you have found an insurer that is a good match to adequately provide auto insurance. It’s important to know that you are entitled to cancel your coverage at any time so never assume you are locked into your new company indefinitely.
When do I need an agent’s advice?
When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your situation is unique.
These are some specific questions might point out whether your personal situation may require specific advice.
- Do I need to file an SR-22 for a DUI in Florida?
- Do I have coverage if my license is suspended?
- I have a DUI can I still get coverage?
- What can I do if my company denied a claim?
- Is coverage enough to protect my assets?
- Is my camper covered for physical damage?
- Do I need an umbrella policy?
- Am I covered if I back into my garage door?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Car insurance companies ranked
Ending up with the top auto insurance provider can be challenging considering how many companies sell insurance in Tampa. The rank data listed below could help you analyze which auto insurers to look at comparing price quotes from.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance 101
Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Liability insurance
This protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 10/20/10 that means you have a limit of $10,000 per injured person, a per accident bodily injury limit of $20,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things such as court costs, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy more coverage.
The chart below demonstrates why buying minimum limits may not be high enough to cover claims.
Comprehensive protection
This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle, a broken windshield, damage from flooding and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, doctor visits, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision coverage protection
This coverage will pay to fix damage to your HHR caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible on your HHR to bring the cost down.
Uninsured or underinsured coverage
This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy HHR.
Since many Florida drivers carry very low liability coverage limits (which is 10/20/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Don’t give up on cheap rates
When you buy Tampa auto insurance online, you should never buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate, but do not skimp to save money.
Affordable Chevy HHR insurance in Tampa can be found on the web as well as from insurance agents, so you need to shop Tampa auto insurance with both so you have a total pricing picture. Some car insurance companies may not provide the ability to get a quote online and usually these small insurance companies only sell coverage through independent insurance agencies.
Drivers who switch companies do it for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, denial of a claim and not issuing a premium refund. Whatever your reason, choosing a new company can be easier than you think.
How to find lower priced Chevy HHR insurance in Tampa
Really, the only way to find more affordable car insurance rates in Tampa is to make a habit of regularly comparing prices from companies who can sell car insurance in Florida. Prices can be compared by completing these steps.
- First, take a few minutes and learn about car insurance and the changes you can make to drop your rates. Many things that result in higher rates like at-fault accidents and a negative credit history can be improved by making minor changes in your lifestyle.
- Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can quote prices from multiple sources.
- Third, compare the new rate quotes to your existing rates to see if a cheaper rate is available in Tampa. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current company of your intent to cancel your current policy and submit payment and a signed application to your new insurance company. As soon as you have the new policy, keep your new proof of insurance paperwork along with your vehicle registration.
The key thing to know about shopping around is to use the same physical damage deductibles and liability limits on each quote request and and to look at as many different insurance providers as possible. Doing this ensures a fair rate comparison and maximum price selection.
Other learning opportunities
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Affordable Auto Insurance for a Chevrolet Equinox in Tampa? (FAQ)
- How Much is Car Insurance for Postal Workers in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Rogue in Tampa? (FAQ)
- What Car Insurance is Cheapest for a Ford Explorer in Tampa? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Honda CR-V in Tampa? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teenage Males in Tampa? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Child Safety FAQ (iihs.org)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)