Truthfully, the best way to find low-cost Chevy HHR insurance in Detroit is to compare prices once a year from insurers who can sell car insurance in Michigan. You can shop around by following these guidelines.
Step 1: Get a basic knowledge of how auto insurance works and the steps you can take to prevent high rates. Many rating criteria that cause rate increases like distracted driving and a negative credit history can be eliminated by improving your driving habits or financial responsibility. Keep reading for more information to find cheap prices and get bigger discounts that may have been overlooked.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can provide price quotes for many different companies.
Step 3: Compare the new quotes to your existing rates to see if a cheaper price is available. If you can save some money and switch companies, ensure coverage does not lapse between policies.
Step 4: Provide proper notification to your current company of your decision to cancel your current car insurance policy. Submit the completed application along with a down payment to your new agent or company. As soon as you have the new policy, keep the new certificate verifying coverage along with the vehicle’s registration papers.
A valuable tip to remember is to make sure you’re comparing similar coverage information on each price quote and and to get rate quotes from as many different companies as possible. Doing this enables the most accurate price comparison and a good representation of prices.
Remarkably, a study showed that most auto insurance policyholders in Michigan have bought auto insurance from the same company for a minimum of four years, and about 40% of consumers have never compared rates to find cheap insurance. Many consumers in the U.S. could cut their rates by up to $860 a year, but they just don’t understand the big savings they would realize if they bought a different policy.
Cheap companies for Chevy HHR insurance in Michigan
The companies shown below provide quotes in Detroit, MI. To buy the best cheap auto insurance in Detroit, we recommend you get prices from several of them in order to find the most affordable rates.
Chevy HHR coverage analysis
The information displayed below showcases a range of coverage costs for Chevy HHR models. Learning as much as possible about how insurance rates are formulated is important for making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in specific zip code location which can decrease or increase insurance rates substantially.
The chart below shows how choosing a deductible and can influence Chevy HHR premium costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Cautious drivers save money
The information below illustrates how traffic citations and at-fault accidents can impact Chevy HHR insurance rates for each age group. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The example below shows the comparison of Chevy HHR insurance costs with full coverage compared to only the Michigan minimum liability coverage. The price estimates are based on no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying full coverage
There is no clear-cut formula to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chevy HHR claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 a year for full coverage, then it might be time to buy liability only.
There are some cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Don’t overlook these Chevy HHR insurance discounts
Companies don’t necessarily list all possible discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts that you may qualify for. If you aren’t receiving every discount possible, you are paying more than you should be.
- Discounts for Multiple Vehicles – Having multiple cars with the same company can get a discount on all vehicles.
- Good Student – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
- Save with a New Car – Adding a new car to your policy can cost up to 25% less because newer models have to meet stringent safety requirements.
- Paperwork-free – A few companies will provide an incentive get Detroit auto insurance on the internet.
- No Claim Discounts – Insureds with no claims or accidents get the best car insurance rates when compared with accident-prone drivers.
- Safety Course Discount – Participating in a course in driver safety may get you a small discount and also improve your driving technique.
- Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
- Good Driver Discount – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- College Student – Any of your kids who are attending college and do not have a car may be insured at a cheaper rate.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way.
The illustration below compares Chevy HHR auto insurance costs with and without discounts applied to the rates. The rates are based on a male driver, a clean driving record, no claims, Michigan 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 marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.
A list of companies and their offered discounts are outlined below.
- State Farm offers discounts including student away at school, good driver, passive restraint, driver’s education, multiple autos, and accident-free.
- Liberty Mutual offers discounts for exclusive group savings, teen driver discount, new move discount, multi-car, and preferred payment discount.
- American Family includes discounts for mySafetyValet, air bags, multi-vehicle, TimeAway discount, and good student.
- Progressive may have discounts that include multi-policy, multi-vehicle, online quote discount, good student, continuous coverage, and homeowner.
- Farmers Insurance has discounts for switch companies, youthful driver, early shopping, multi-car, distant student, pay in full, and bundle discounts.
- Auto-Owners Insurance has savings for safe driver, company car, good student, student away at school, and paperless.
- SAFECO policyholders can earn discounts including anti-lock brakes, accident prevention training, safe driver, bundle discounts, teen safe driver, and anti-theft.
If you are trying to find cheaper Detroit auto insurance quotes, ask every insurance company how many discounts you can get. Some credits might not be offered on policies in Detroit.
Save Money with These Tips
A large part of saving on auto insurance is knowing the different types of things that aid in calculating auto insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that could result in lower rates. Many things are used when you quote your car insurance policy. Most are fairly basic such as your driving record, although others are less obvious like where you live or your financial responsibility.
Older drivers pay less – More mature drivers are viewed as being more responsible, are lower risk to insure, and receive fewer citations. Teenage drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Eliminate extra policy coverages – There are many extra bells and whistles that can add up but may not be useful. Coverages for rental car coverage, towing coverage, and Farm Bureau memberships are probably not needed. They may seem like a good idea when buying your policy, but your needs may have changed so remove them and pocket the money.
Better premiums with anti-theft devices – Selecting a car model that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.
Having a spouse equates to better costs – Your spouse helps lower the price on your auto insurance bill. It may mean you are less irresponsible and statistics show drivers who are married file infrequent claims.
Safety ratings are a factor – Safer cars get lower rates. Safer cars reduce occupant injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your Chevy HHR scored better than four stars on Safercar.gov it is probably cheaper to insure.
Do you qualify for a multi-policy discount? – Most larger insurance companies provide a discount to people that buy multiple policies. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
Where you reside is a factor – Having an address in a small town can save you money when shopping for auto insurance. City drivers have to deal with more road rage incidents and longer commute times. Lower population means less chance of accidents and also fewer theft and vandalism claims.
Compare prices but still have a local Detroit insurance agent
A small number of people prefer to buy from a licensed agent and that is a personal choice. One of the great benefits of price shopping on the web is the fact that drivers can get better rates and still have an agent to talk to. And buying from neighborhood agents is definitely important in Detroit.
To make it easy to find an agent, after completing this simple form, your insurance data gets sent to local insurance agents who will gladly provide quotes for your insurance coverage. There is no need to leave your house because prices are sent to you directly. You can find lower rates AND a local agent. If you need to compare rates from a specific auto insurance provider, you would need to visit that company’s website and fill out their quote form.
If you’re trying to find a reliable agent, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Agents in Detroit can be categorized as either independent agents or exclusive agents.
Independent Auto Insurance Agencies or Brokers
Agents that choose to be independent do not sell for just one brand so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If your premiums go up, your agent can just switch to a different company and that require little work on your part.
When comparison shopping, we highly recommend that you get quotes from at a minimum one independent agency to have the best price comparison.
The following is a small list of independent insurance agencies in Detroit that may be able to give free auto insurance rate quotes.
Dave Gilead Insurance Agency
18323 W McNichols Rd – Detroit, MI 48219 – (313) 533-3220 – View Map
Detroit Auto Insurance
620 Woodward Ave – Detroit, MI 48226 – (517) 618-1693 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are highly trained in insurance sales which helps offset the inability to provide other markets.
Shown below are exclusive insurance agencies in Detroit that can give you comparison quotes.
Picking a insurance agency requires more thought than just a cheap price. These are some questions you should get answers to.
- Will the quote change when the policy is issued?
- Do you work with a CSR or direct with the agent?
- How long has their agency been open in Detroit?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they in the agency full-time?
Don’t give up on cheap rates
Cheaper insurance in Detroit is possible on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not have online price quotes and usually these regional insurance providers work with independent insurance agents.
Throughout this article, we presented many ways to lower your Chevy HHR insurance car insurance rates in Detroit. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Chevrolet HHR insurance quotes. Drivers may even discover the biggest savings come from the least-expected company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
Additional information is located on the following sites:
- Child Safety Seats (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 60 in Detroit? (FAQ)
- Who has the Cheapest Auto Insurance Quotes in Detroit, MI? (DetroitInsure.com)
- Get the Right Protection (InsureUonline.org)
- Rental Reimbursement Coverage (Allstate)
- Should I Buy a New or Used Car? (Allstate)