Compare Chevy HHR Insurance Quotes in Madison

  1. Home
  2. >
  3. Madison Auto Insurance
  4. >
  5. Chevrolet HHR

Insurance rates Chevy HHR in MadisonWould you like to save money by finding cheaper Chevy HHR insurance in Madison? Searching for the cheapest Madison Chevy HHR insurance quotes can seem to be rather difficult for people who are new to online price comparisons. With so many insurance agents and companies, how are we expected to effectively compare them all to find better prices?

How to save money on Chevy HHR insurance in Madison

To save the most money, the best way to get low-cost Chevy HHR insurance in Madison is to compare prices at least once a year from insurance carriers who sell insurance in Wisconsin. Drivers can shop around by following these guidelines.

Step 1: Try to understand the different coverages in a policy and the factors you can control to prevent rate increases. Many things that result in higher prices such as your driving record and a poor credit score can be remedied by paying attention to minor details. Continue reading for more details to get better rates and get bigger discounts.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple insurance companies. View prices

Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you can save money and change companies, ensure coverage does not lapse between policies.

Step 4: Tell your current agent or company to cancel your current car insurance policy and submit a signed application and payment to the new insurer. As soon as you receive it, put the new proof of insurance certificate in an accessible location in your vehicle.

One important bit of advice is to use the same amount of coverage on each price quote and and to analyze as many companies as possible. Doing this provides an apples-to-apples comparison and the best rate selection.

Smart shoppers know that auto insurance companies don't want you comparing rates. Drivers who shop for lower prices will, in all likelihood, switch to a new company because there is a good chance of finding a policy with better rates. A recent survey found that consumers who routinely compared rates saved over $3,450 over four years compared to those who never shopped around for cheaper prices.

If finding discount rates on insurance is your goal, then learning about the best ways to shop for insurance premiums can help make the process easier and more efficient.

To find the best auto insurance rates, there are several ways of comparing rate quotes from companies that offer auto insurance in Wisconsin. One of the best ways to comparison shop consists of shopping online. It's important to know that quoting more helps you find lower pricing. Not every company provides online rate quotes, so it's necessary to compare price estimates from the smaller companies as well.

The companies shown below provide quotes in Madison, WI. To buy cheap auto insurance in WI, it's highly recommended you visit two to three different companies to get a more complete price comparison.

Rates and data analysis

The coverage table shown below showcases detailed analysis of insurance coverage prices for Chevy HHR models. Having knowledge of how auto insurance policy rates are calculated can aid in making smart buying decisions.

Chevrolet HHR Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $106 $184 $260 $16 $78 $644 $54
HHR LT $106 $184 $260 $16 $78 $644 $54
HHR SS $118 $250 $260 $16 $78 $722 $60
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower prices considerably.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is how high or low should comp and collision deductibles be. The figures shown below sum up the differences in price between low and high physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Chevrolet HHR insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $224 $358 $230 $14 $68 $919 $77
HHR LT $224 $358 $230 $14 $68 $919 $77
HHR SS $248 $484 $230 $14 $68 $1,069 $89
Get Your Own Custom Quote Go
Chevrolet HHR insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $164 $242 $230 $14 $68 $718 $60
HHR LT $164 $242 $230 $14 $68 $718 $60
HHR SS $182 $328 $230 $14 $68 $822 $69
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in zip code location which can change premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $18 more each month or $216 for a full year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 22 months between claims, you would probably come out ahead if you elect the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important issue to know is that a higher deductible means you will have to pay more of your own money when you have a claim. It will be required that you have enough money put aside in order to pay the deductible for vehicle repair.

Gender-based car insurance premiums

The information below illustrates the comparison of Chevy HHR insurance prices for male and female drivers. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

How much more does full coverage cost in Madison?

The chart below shows the difference between Chevy HHR car insurance costs with and without full coverage. The premium estimates are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are applied to the premium.

When to drop comp and collision

There is no specific rule for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's pretend your Chevy HHR replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying your deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Informed Consumers Know How to Get Auto Insurance at a Discount

Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but others are less apparent like your vehicle usage or how safe your car is.

Shown below are some of the most rate-impacting factors used by your company to calculate premiums.

  • Save by driving safer vehicles - Vehicles that have high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Chevy HHR earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Careless drivers pay higher premiums - Good drivers get better prices than people who have multiple driving citations. Having a single chargeable violation could increase your next policy renewal by twenty percent. Drivers who have received careless violations such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to keep their license.

    The illustration below shows how traffic citations and accident claims raise Chevy HHR insurance rates for each different age category. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

  • Lower premiums with uninterrupted coverage - Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. Not only will you pay more, not being able to provide proof of insurance might get you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with the Wisconsin DMV.
  • Do you save by driving less? - Driving a lot of miles in a year's time the more you will pay for auto insurance. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your HHR may be costing you higher rates. Double check that your auto insurance declarations sheet properly reflects the correct usage.

Three main reasons to buy insurance

Despite the potentially high cost of Chevy HHR insurance, maintaining insurance may be mandatory for several reasons.

  • Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance in order to drive the car. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Chevy HHR has a lienholder, most lenders will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Chevy at a significantly higher premium and require you to fork over the higher price.
  • Insurance safeguards not only your Chevy but also your assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your HHR more than cancel out the cost, especially if you ever need it. Today the average American driver overpays as much as $820 a year so it's recommended you shop around once a year at a minimum to save money.