The easiest way to find low-cost prices for Chevy HHR insurance in Chandler is to compare prices regularly from providers in Arizona. Prices can be compared by following these guidelines.
First, try to learn about how insurance works and the things you can control to prevent rate increases. Many policy risk factors that result in higher prices such as at-fault accidents, speeding tickets, and a poor credit score can be improved by paying attention to minor details. Continue reading for ideas to prevent high rates and earn larger discounts.
Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Compare rates now
Third, compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find better rates and make a switch, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company of your intention to cancel your existing policy and submit a signed application and payment for your new coverage. When you receive it, keep the new certificate verifying proof of insurance in an easily accessible location.
An essential thing to point out is to make sure you’re comparing similar limits and deductibles on every price quote and and to get rates from all possible companies. This guarantees an apples-to-apples comparison and the best price selection.
Unbelievable but true, nearly 70% of drivers have purchased from the same company for more than four years, and just under half have never taken the time to shop around. Many drivers in Chandler could save about 50% every year just by getting comparison quotes, but most undervalue the rate savings if they changed companies.
All the larger insurance companies allow you to get price estimates directly from their websites. The process is fairly straightforward as you just enter the coverage amounts you desire as requested by the quote form. After you submit the form their system automatically orders credit information and your driving record and returns a price quote based on these and other factors.
The ability to get online price quotes for Chevy HHR insurance in Chandler makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to find the most affordable insurance rates.
In order to fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with the coverages as shown on your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison for exact coverage.
The companies shown below have been selected to offer quotes in Chandler, AZ. If multiple companies are listed, it’s highly recommended you get rates from several of them in order to find the most competitive rates.
Data for Chevy HHR insurance
The price information displayed next covers detailed analysis of insurance premium costs for Chevy HHR models. Having a better understanding of how policy rates are calculated can benefit drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $290 | $480 | $404 | $24 | $122 | $1,320 | $110 |
| HHR LT | $290 | $480 | $404 | $24 | $122 | $1,320 | $110 |
| HHR SS | $324 | $652 | $404 | $24 | $122 | $1,526 | $127 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can impact insurance rates significantly.
Where to set your deductibles
When shopping for car insurance, a common question is where to set your physical damage deductibles. The tables below may help you to understand the price difference when you choose different deductibles. The first data set uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| HHR LT | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| HHR SS | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
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| 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 | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in your specific Chandler location which can revise price quotes significantly.
We can estimate from the data above that using a $100 deductible costs approximately $23 more each month or $276 each year averaged for all HHR models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 17 months between claims, you would save money going with the higher deductible. The numbers below show how this calculation is made.
| Average monthly premium for $100 deductibles: | $105 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. That will require some savings in the bank in the event you need to pay the deductible.
Drive safe and save
The information below shows how traffic citations and fender-benders impact Chevy HHR insurance prices for different age groups. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
These discounts can lower your auto insurance rates
Not many people think insurance is cheap, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but less common discounts must be inquired about before you get the savings.
- Accident Waiver – This one is not really a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike if you have no claims for a set time period.
- Distant Student Discount – Any of your kids living away from Chandler attending college and don’t have a car can be insured at a reduced rate.
- Defensive Driver Discounts – Successfully completing a defensive driving class could earn you a small percentage discount if your company offers it.
- Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
- Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
- Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
- Passive Restraint Discount – Vehicles with factory air bags may qualify for discounts of more than 20%.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
- Data Collection Discounts – People who choose to allow driving data collection to study driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.
The diagram below illustrates the difference between Chevy HHR car insurance rates with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, multi-policy, and marriage discounts applied.
A list of companies and a partial list of their discounts are shown below.
- Travelers policyholders can earn discounts including continuous insurance, multi-policy, hybrid/electric vehicle, IntelliDrive, multi-car, and payment discounts.
- 21st Century may have discounts that include homeowners, teen driver, automatic seat belts, good student, anti-lock brakes, and air bags.
- State Farm has savings for driver’s education, student away at school, Steer Clear safe driver discount, multiple policy, anti-theft, and passive restraint.
- GEICO includes discounts for military active duty, good student, membership and employees, anti-lock brakes, seat belt use, and five-year accident-free.
- SAFECO offers discounts including accident prevention training, teen safe driver, homeowner, anti-theft, bundle discounts, and safe driver.
- AAA has discounts for AAA membership discount, good driver, multi-car, anti-theft, and pay-in-full.
Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in Chandler. If you would like to view auto insurance companies who offer online Chevy HHR insurance quotes in Arizona, follow this link.
Why insurance is not optional
Despite the high cost of buying insurance for a Chevy HHR in Chandler, maintaining insurance serves a purpose in several ways.
- Most states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Chevy, it’s guaranteed your bank will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Chevy at a much higher rate and make you pay for the expensive policy.
- Insurance preserves your Chevy and your assets. It will also provide coverage for hospital and medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying insurance definitely exceed the cost, especially if you ever need it. Today the average American driver is wasting up to $750 every year so we recommend shopping around at every policy renewal to save money.
Best car insurance in Chandler
Ending up with a good quality insurance provider is difficult considering how many companies provide coverage in Chandler. The ranking information displayed below could help you analyze which auto insurance companies to look at comparing rates with.
Top 10 Chandler Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Auto insurance is unique, just like you
When it comes to the right insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.
Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.
- Is extra glass coverage worth it?
- Does my insurance cover my expensive audio equipment?
- What vehicles should carry emergency assistance coverage?
- What should my uninsured motorist coverage limits be in Arizona?
- Is a blown tire covered by insurance?
- Am I covered while delivering pizza?
- What happens if I owe more than my Chevy HHR is worth?
- Can I drive in Mexico and have coverage?
- Can I still get insurance after a DUI?
- How do I insure my teen driver?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Compare rates but buy from a neighborhood Chandler auto insurance agent
Some people would prefer to sit down with an agent and that can be a smart move One of the benefits of comparing insurance prices online is that drivers can save money and get cheap rate quotes but still work with a licensed agent.
After completing this simple form, your information is immediately sent to local insurance agents that give free quotes to get your business. There is no reason to search for any insurance agencies due to the fact that quote results will go to your email. You can get cheaper car insurance rates without requiring a lot of work. If you wish to compare rates from a specific insurance company, you would need to visit that company’s website to submit a rate quote request.
Picking an company should depend on more than just a cheap price. The questions below may impact your decision as well.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will the agent help in case of a claim?
- Are you getting all the discounts the company offers?
- Do they have cheaper tiers of coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What are their preferred companies if they are an independent agency?
- Where would your vehicle be repaired?
Below are agents in Chandler that are able to give price quotes for Chevy HHR insurance in Chandler.
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map - Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map - J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map - Stacy Beatty – State Farm Insurance Agent
3165 S Alma School Rd Ste 27 – Chandler, AZ 85248 – (480) 855-0665 – View Map