Affordable Insurance for a Chevy HHR in Chula Vista

It’s an obvious assumption that auto insurance companies don’t want you comparing rates. Drivers who compare other prices are likely to buy a different policy because they have good chances of finding lower prices. A study showed that consumers who make a habit of shopping around saved on average $72 a month as compared to drivers who never shopped for cheaper rates.

If saving money on car insurance in Chula Vista is why you’re here, then learning a little about the best way to compare insurance premiums can save time and money.

The easiest way to find low-cost car insurance rates is to compare prices once a year from insurance carriers who provide auto insurance in Chula Vista.

1. Gain an understanding of how auto insurance works and the modifications you can make to prevent expensive coverage. Many factors that result in higher rates like at-fault accidents and an unacceptable credit history can be eliminated by making lifestyle changes or driving safer. Continue reading for information to help keep prices low and get additional discounts that may be available.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote rates from multiple sources.
3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide notification to your current agent or company of your intention to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. Don’t forget to keep your new certificate of insurance in your glove compartment.

One bit of advice is to try to use the same level of coverage on each quote and and to compare as many car insurance companies as possible. This provides a fair rate comparison and the best price selection.

Finding and comparing the lowest-priced insurance in Chula Vista is not as difficult as people think. If you have coverage now or are just looking to switch companies, you can use this information to find the best rates and possibly find even better coverage. Smart buyers just need to use the most efficient way to shop their coverage around from multiple carriers.

Low Cost car insurance in Chula Vista, CA

The companies shown below offer price quotes in California. To buy cheap auto insurance in Chula Vista, we suggest you visit as many as you can to get a more complete price comparison.

Insurance coverage details

The premium table shown below outlines detailed analysis of policy rates for Chevy HHR models. Learning more about how car insurance premiums are calculated can help guide drivers when making decisions on which insurance to purchase.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Chula Vista location which can increase or decrease coverage prices considerably.

Higher deductibles save money

One of the most common auto insurance questions is how high should your deductibles be. The premium rates below may help you to understand the price difference when you buy lower versus higher deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific garaging location which can influence coverage rates significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $35 more each month or $420 annually across all Chevrolet HHR models than requesting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 21 months between claims, you would probably come out ahead going with the higher deductible.

Comparison of auto insurance rates by gender

The chart below shows the comparison of Chevy HHR insurance costs for male and female drivers. Data assumes no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are factored in.

Eight discounts for cheaper insurance rates

Insurance is not an enjoyable expense, but there could be available discounts that many people don’t even know exist. Some of these discounts will be visible when you get a quote, but some may not be applied and must be specifically requested before they will apply.

• Theft Deterrent – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will save you 10% or more on HHR insurance in Chula Vista.
• Policy Bundle Discount – If you combine your auto and homeowners policies and place coverage with the same company you will save at least 10 to 15 percent or more.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
• Auto/Life Discount – Select companies reward you with lower prices if you buy some life insurance too.
• Drivers Education – Require your teen driver to complete a driver education course in school or through a local driver safety program.
• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off with some insurance companies.
• Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts until age 25.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

The illustration below compares Chevy HHR car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.

To choose insurance companies that offer discounts in California, click here.

Auto insurance agents can find coverage gaps

Some consumers would prefer to visit with an insurance agent and that can be a smart move Professional agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing car insurance online is that you can find lower rates and also buy local. Buying insurance from local agencies is important particularly in Chula Vista.

Upon completion of this simple form, the coverage information is instantly submitted to participating agents in Chula Vista who can give free rate quotes for your business. It simplifies rate comparisons since you won’t have to find an agent since price quotes are sent to you. If you wish to get a rate quote from one company in particular, you would need to visit that company’s website and give them your coverage information.

Shown below is a short list of insurance companies in Chula Vista that can give you comparison quotes for Chevy HHR insurance in Chula Vista.

View more Chula Vista agents

Choosing an insurance company needs to be determined by more than just a cheap price. The answers to these questions are important, too.

• Do they receive special compensation for putting your coverage with one company over another?
• Do they have any clout with companies to ensure a fair claim settlement?
• If you are a high risk driver, do they have special markets for your coverage?
• Are there any discounts for paying up front?
• Has the agent ever had any license suspensions?
• Do they write coverage based solely on cost?

Educate yourself about car insurance coverages

Understanding the coverages of car insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, crashing into a ditch, sideswiping another vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible on your HHR to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane, theft, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage pay for expenses like rehabilitation expenses, hospital visits and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, pain and suffering, legal defense fees, emergency aid and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry higher limits.

The chart below demonstrates why buying the state minimum limits may not be adequate.

Persistence pays off

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to regret at claim time that it was a big mistake. Your goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

We just showed you some good ideas how to lower your Chevy HHR insurance prices in Chula Vista. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest prices come from the smaller companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

More information can be read at these links:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Distracted Driving (Insurance Information Institute)