Do you need a better way to compare cheaper Chevy HHR insurance in Jersey City? Saving money on Chevy HHR insurance in Jersey City could be challenging for beginners to shopping for insurance online. When there are so many online companies available, it can easily turn into a real hassle to compare premium rates on Chevy HHR insurance.
Steps to buying lower priced Chevy HHR insurance in Jersey City
If saving money is your primary concern, then the best way to get discount Chevy HHR insurance in Jersey City is to do a yearly price comparison from insurers who provide car insurance in New Jersey. Drivers can shop around by following these steps.
- Learn about the different coverages in a policy and the modifications you can make to keep rates low. Many things that drive up the price such as at-fault accidents, careless driving, and an imperfect credit score can be controlled by making minor changes to your lifestyle. This article gives ideas to get cheaper rates and find hidden discounts.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for many different companies.
- Compare the new rates to your current policy to determine if you can save on HHR insurance. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
- Provide proper notification to your current company to cancel the current policy and submit a completed application and payment to your new insurance company. As soon as you receive it, store the proof of insurance certificate in an easily accessible location in your vehicle.
A key point to remember is that you’ll want to compare the same level of coverage on every quote request and to quote with every company you can. This provides a fair price comparison and a thorough selection of prices.
It’s safe to conclude that insurance companies want to prevent you from shopping around. People who shop around annually will most likely buy a new policy because there is a significant possibility of finding a more affordable policy. A study showed that drivers who routinely compared quotes saved on average $70 a month compared to other drivers who never compared other company’s rates.
If finding the lowest price for insurance is your objective, then having some knowledge of the best way to quote and compare coverages can make the process more efficient.
Most companies allow consumers to get prices for coverage from their websites. Getting online quotes for Chevy HHR insurance in Jersey City is fairly straightforward as you simply type in the amount of coverage you want into the form. Once you submit the form, the company’s rating system gets information on your driving record and credit history and returns pricing information based on the data you entered.
This makes it easy to compare insurance prices and it’s very important to have as many quotes as possible in order to get cheap prices.
To compare pricing, consider comparing rates from the companies shown below. To compare your current rates, we recommend you replicate the coverage information just like they are on your policy. This way, you will have a rate comparison for similar insurance coverage.
The car insurance companies shown below provide price comparisons in Jersey City, NJ. If you wish to find the best auto insurance in New Jersey, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Chevy HHR insurance discounts in Jersey City
Companies offering auto insurance do not list every discount very clearly, so the list below gives a summary of some of the more common and the more hidden discounts you could be receiving when you buy Jersey City car insurance online.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
- Early Renewal Discounts – Some larger companies reward drivers for signing up prior to your current HHR insurance policy expiring. Ten percent is about the average savings.
- Low Miles Discount – Low annual miles may allow you to get discounted rates on garaged vehicles.
- Multiple Vehicles – Purchasing coverage when you have multiple vehicles on the same insurance policy can get a discount for every vehicle.
- Claim-Free Discount – Good drivers with no accidents can earn big discounts in comparison with accident-prone drivers.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Telematics Data Discounts – Insureds who allow driving data collection to analyze when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
- Use Seat Belts – Drivers who require all occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
- College Student Discount – College-age children living away from Jersey City attending college and won’t have access to an insured vehicle may be able to be covered for less.
As is typical with insurance, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works.
The information below shows the difference between Chevy HHR insurance costs with and without discounts. The costs are based on a female driver, no claims or driving citations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, safe-driver, and multi-policy discounts applied.
Large insurance companies and their possible discounts are shown below.
- Progressive offers premium reductions for online quote discount, online signing, multi-vehicle, multi-policy, continuous coverage, and homeowner.
- SAFECO may offer discounts for drive less, safe driver, accident prevention training, teen safe driver, anti-theft, and homeowner.
- American Family may include discounts for good student, accident-free, air bags, defensive driver, and multi-vehicle.
- MetLife has savings for multi-policy, good student, good driver, accident-free, and defensive driver.
- GEICO includes discounts for federal employee, air bags, defensive driver, daytime running lights, anti-theft, and five-year accident-free.
- The Hartford may have discounts that include anti-theft, vehicle fuel type, defensive driver, driver training, bundle, and air bag.
Double check with each insurance company which credits you are entitled to. Some discounts listed above might not be offered on policies in your state. To choose providers that offer the discounts shown above in New Jersey, click here.
Analysis of coverages
The information shown next covers different prices for Chevy HHR models. Having a good understanding how car insurance premiums are formulated is important to be able to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $532 | $746 | $630 | $38 | $188 | $2,134 | $178 |
| HHR LT | $532 | $746 | $630 | $38 | $188 | $2,134 | $178 |
| HHR SS | $592 | $1014 | $630 | $38 | $188 | $2,462 | $205 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in your specific Jersey City location which can influence rates considerably.
Deductible comparison
One frequently asked question is how high should the deductibles for physical damage be. The following insurance rates may help to illustrate the difference in cost between low and high comp and collision deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $466 | $746 | $480 | $28 | $144 | $1,889 | $157 |
| HHR LT | $466 | $746 | $480 | $28 | $144 | $1,889 | $157 |
| HHR SS | $520 | $1014 | $480 | $28 | $144 | $2,211 | $184 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $258 | $394 | $480 | $28 | $144 | $1,304 | $109 |
| HHR LT | $258 | $394 | $480 | $28 | $144 | $1,304 | $109 |
| HHR SS | $288 | $534 | $480 | $28 | $144 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific Jersey City location which can affect premium rates greatly.
Based on the figures above, using a $100 deductible would cost the average driver about $52 more each month or $624 for a full year across all Chevrolet HHR models than quoting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claims, you would more than likely save some money going with the higher deductible.
The diagram below shows how choosing a deductible and can influence Chevy HHR insurance costs for each different age group. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Independent or exclusive insurance agencies
A lot of people prefer to talk to an insurance agent and that can be a great decision An additional benefit of comparing rates online is you may find the best rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the quote information is submitted to participating agents in Jersey City that can provide free Jersey City car insurance quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents because prices are sent to your email. It’s the lowest rates without requiring a lot of work. In the event you want to quote rates from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Selecting an insurer is decision based upon more than just a low price. Any agent in Jersey City should be forthright in answering these questions:
- Do they have a Better Business Bureau rating in Jersey City?
- Do they reduce claim amounts on high mileage vehicles?
- Do they write coverage based solely on cost?
- Will the company cover a rental car if your car is getting fixed?
- Is there any savings for paying the full premium?
- How long has their agency been open in Jersey City?
Everyone needs different car insurance coverages
When it comes to buying insurance from an agent or online, there really is not a perfect coverage plan. Every situation is different.
For instance, these questions may help you determine whether or not you may require specific advice.
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I remove comp and collision on my Chevy HHR?
- Is a fancy paint job covered?
- Can my teen driver be rated on a liability-only vehicle?
- How much liability coverage do I need in New Jersey?
- Am I covered when delivering products for my home-based business?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.
Learn How to Quote Car Insurance at a Discount
An important part of buying insurance is that you know a few of the rating criteria that aid in calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower premium levels.
The list below includes some of the factors used by your company to calculate premiums.
Never allow your policy to lapse – Driving any period of time without insurance can get your license suspended and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance may result in a revoked license or a big fine.
Vehicles with better crash test results means cheaper prices – Safer cars tend to have lower insurance rates. These vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you.
When should you file insurance claims? – Auto insurance companies in New Jersey award better rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for claims that pose a financial burden.
Rates can drop if you have more than one policy – Some insurers provide a discount for people that buy multiple policies, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you already get this discount, you may still want to comparison shop to help ensure you have the lowest rates.
Younger drivers pay more – Teen drivers in New Jersey are statistically proven to be more careless when behind the wheel therefore car insurance rates are much higher. Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims, and tend to be get fewer driving tickets.
The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
High performance vehicles cost more to insure – The type of vehicle you are buying insurance for makes a big difference in your auto insurance rates. The cheapest rates are usually found on smaller low performance passenger cars, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Chevrolet HHR policy rates compared to other models that have a range of performance risks.
Drive lots and pay more – The more you drive annually the more it will cost to insure it. Most companies apply a rate based upon how you use the vehicle. Autos that have low annual miles cost less to insure compared to those used for work or business. Ask your agent if your car insurance declarations sheet reflects the correct driver usage. An improperly rated HHR may be costing you.
Women tend to cost less – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. Males and females get in accidents in similar numbers, but males get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI.
The information below illustrates the comparison of Chevy HHR insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are factored in.
Protect more than your HHR
Despite the potentially high cost of Chevy HHR insurance, car insurance is not optional due to several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific limits of liability if you don’t want to risk a ticket. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, most lenders will require you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Chevy at an extremely high rate and force you to pay a much higher amount than you were paying before.
Third, car insurance preserves both your Chevy HHR and your personal assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying adequate insurance greatly outweigh the cost, especially for larger claims. Today the average American driver is overpaying more than $869 every year so you should quote and compare rates once a year at a minimum to ensure rates are inline.
In Summary
We covered many ideas to compare Chevy HHR insurance premium rates in Jersey City. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. You may even find the best price on insurance is with an unexpected company.
Cheaper insurance in Jersey City can be bought on the web as well as from independent agents in Jersey City, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide rates over the internet and many times these regional insurance providers only sell coverage through independent agencies.
Drivers change insurance companies for any number of reasons including denial of a claim, high rates after DUI convictions, poor customer service and delays in responding to claim requests. It doesn’t matter what your reason, switching companies is less work than it seems.
Steps to finding cheaper quotes for Chevy HHR insurance in Jersey City
The best way we recommend to get affordable car insurance rates in Jersey City is to compare prices annually from companies who can sell car insurance in New Jersey. This can be done by following these guidelines.
- First, it will benefit you to learn about coverages and the things you can change to prevent high rates. Many risk factors that cause high rates like speeding and poor credit history can be remedied by paying attention to minor details.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide prices for a wide range of insurance providers.
- Third, compare the new quotes to your current policy and determine if cheaper HHR coverage is available in Jersey City. If you find a lower rate and change companies, make sure coverage does not lapse between policies.
- Fourth, give notification to your agent or company to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. Be sure to store the proof of insurance paperwork in an easily accessible location.
The most important part of shopping around is to make sure you’re comparing identical coverage information on every price quote and and to get quotes from as many companies as possible. This helps ensure a fair rate comparison and a complete selection of prices.
Helpful resources
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has Cheap Jersey City Car Insurance for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Car Insurance Rates for a Nissan Rogue in Jersey City? (FAQ)
- How Much are Car Insurance Quotes for Drivers Under 21 in Jersey City? (FAQ)
- Who Has Cheap Jersey City Car Insurance Rates for a Kia Optima? (FAQ)
- Who Has the Cheapest Jersey City Car Insurance for a GMC Sierra? (FAQ)
- How Much are Jersey City Auto Insurance Rates for Police Officers? (FAQ)
- Who Has Cheap Jersey City Car Insurance Rates for a Toyota Highlander? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Jersey City? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Crash Avoidance Technologies FAQ (iihs.org)