The preferred way to find more affordable Chevy HHR insurance in Lincoln is to annually compare prices from different companies in Nebraska.
First, gain an understanding of car insurance and the changes you can make to prevent rate increases. Many rating criteria that result in higher prices like accidents, traffic violations, and bad credit can be eliminated by improving your driving habits or financial responsibility.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can quote prices from many different companies.
Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
Fourth, notify your company or agent to cancel your current coverage and submit a signed application and payment to the new company. Immediately put the new certificate verifying coverage with your vehicle’s registration.
One bit of advice is that you use the same coverage limits and deductibles on each quote request and and to get price quotes from as many different companies as possible. This ensures an accurate price comparison and a thorough price selection.
It goes without saying that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around at least once a year are inclined to buy a different policy because there is a significant possibility of finding good coverage at a lower price. A recent survey revealed that drivers who made a habit of comparing rate quotes saved approximately $3,500 over four years compared to policyholders who never shopped around.
If finding discount rates on Chevy HHR insurance is your intention, then having a good understanding how to quote prices and compare auto insurance can help you succeed in finding affordable rates.
If you’re already insured, you will definitely be able to get lower rates using the ideas presented in this article. Quoting and buying cheaper protection in Lincoln is easy to do. Although Nebraska consumers need to have an understanding of how big insurance companies market insurance on the web and take advantage of how the system works.
Just remember that more quotes increases your odds of finding a better price. Not every company provides online rate quotes, so it’s necessary to compare quotes from them as well.
The companies shown below offer free rate quotes in Lincoln, NE. If your goal is to find the best cheap car insurance in Lincoln, we suggest you click on several of them to get a more complete price comparison.
Chevy HHR detailed coverage information
The table displayed next outlines estimates of policy rates for Chevy HHR models. Having a good understanding how auto insurance premiums are calculated can help guide drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| HHR LT | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| HHR SS | $250 | $518 | $314 | $18 | $94 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in specific Lincoln garaging location which can influence price quotes considerably.
Where to set your deductibles
When shopping for car insurance, a common question is how high should the physical damage deductibles be. The premium rates below can help you understand the premium difference when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| HHR LT | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| HHR SS | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| HHR LT | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| HHR SS | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can influence prices greatly.
Based on these figures, using a $250 deductible will cost you about $13 more each month or $156 for a full year than opting for the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 19 months between claim filings, you would probably come out ahead by going with a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
What if I want to buy from local Lincoln auto insurance agents?
Some consumers prefer to have an agent’s advice and there is nothing wrong with that. One of the benefits of price shopping on the web is that you can find cheap rate quotes and still buy from a local agent. Buying insurance from neighborhood agents is important particularly in Lincoln.
To help locate an agent, after submitting this quick form, the quote information is immediately sent to local insurance agents who will gladly provide quotes for your coverage. You never need to leave your computer as quotes are delivered to you. Get lower rates without the usual hassles of price shopping. If you wish to quote rates for a specific company, you can always visit that company’s website and fill out their quote form.
Deciding on an provider should include more criteria than just the price. Some important questions to ask are:
- Do they specialize in personal lines coverage in Lincoln?
- What is the financial rating for the quoted company?
- Who are their largest clients?
- Do they receive special compensation for putting your coverage with one company over another?
- Are claims handled at the agent’s location?
- Can they give you a list of client referrals?
- What is the agency’s Better Business Bureau rating?
- Will the agent help in case of a claim?
After you get positive responses to all your questions as well as a affordable price, it’s possible that you found an insurance company that can insure your vehicles. It’s important to know that it’s your coverage and you can cancel your coverage at any point so don’t assume that you are obligated to a specific agent for the entire policy term.