Chevy HHR Insurance Quotes in Boston

Has it been a year or more since you last compared quotes for more affordable Chevy HHR insurance in Boston? Finding discount Boston Chevy HHR insurance quotes might appear difficult for vehicle owners new to quoting and buying their auto insurance over the internet. With literally dozens of companies, how can anyone have the ability to compare every company to locate better auto insurance prices?

Steps to saving money on Chevy HHR insurance in Boston

If you want to save the most money, the best way to find more affordable auto insurance rates in Boston is to regularly compare price quotes from different companies who sell insurance in Massachusetts.

First, gain an understanding of how car insurance works and the changes you can make to lower rates. Many risk factors that cause rate increases such as speeding and poor credit history can be improved by being financially responsible and driving safely.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote prices for a wide range of companies.

Third, compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates, make sure there is no coverage gap between policies.

Fourth, give proper notification to your current agent or company of your intent to cancel your current coverage. Submit a down payment and signed policy application for the new coverage. As soon as you have the new policy, safely store the certificate verifying coverage above your visor, in the console, or in the glove compartment.

An important part of this process is that you use the same deductibles and limits on each quote and and to get price quotes from as many companies as feasibly possible. This ensures an apples-to-apples comparison and a complete price analysis.

Regrettably, the vast majority of auto insurance customers in Massachusetts kept their policy with the same company for well over three years, and 38% of drivers have never quoted auto insurance rates at all. American drivers can save hundreds of dollars each year, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.

Our objective in writing this article is to introduce you to how auto insurance companies operate and some tricks to saving. If you have a policy now, you will surely be able to buy cheaper insurance using the ideas covered in this article. Nevertheless, Massachusetts car owners must know the way insurance companies market insurance on the web because rates are impacted by many factors.

Where can I get affordable Boston Chevy HHR insurance?

To find cheap rates, there are a couple of ways of comparing rates from lots of Massachusetts car insurance companies. The fastest way to compare rates involves getting comparison quotes online. Just remember that comparing a wide range of rates gives you a better chance of getting a lower rate than you’re paying now. Not every company does online Boston HHR insurance quotes, so it’s important to compare price estimates from the smaller companies as well.

The car insurance companies shown below are ready to provide comparison quotes in Massachusetts. To get cheap car insurance in Boston, we suggest you click on several of them to get the best price comparison.

Chevy HHR insurance charts and tables

The coverage information shown below highlights a range of rate quotes for Chevy HHR models. Having a good understanding how insurance prices are established can help you make decisions on the best policy coverages.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in zip code location which can revise prices significantly.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The figures shown below illustrate the rate differences between low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific location information which can influence prices considerably.

Based on these figures, using a $250 deductible costs approximately $15 more each month or $180 every year than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 17 months between claims, you would most likely save money if you opt for a higher deductible.

Chevrolet HHR insurance rates by gender in Boston

The diagram below compares Chevy HHR car insurance rates for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.

Full coverage versus liability-only

The example below compares Chevy HHR auto insurance rates with full coverage compared to only the Massachusetts minimum liability coverage. The data assumes no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.

When to switch to liability coverage only

There isn’t a written rule of when to stop paying for full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Chevy HHR claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Eight factors that affect insurance costs

Part of the auto insurance buying process is learning the rating factors that aid in calculating auto insurance rates. If you know what determines premiums, this enables you to make decisions that could help you find lower premium levels.

• Rates increase with driving citations – A bad driving record influences premium rates substantially. Attentive drivers receive lower rates than bad drivers. Having just one citation can increase rates twenty percent or more. Drivers who have received multiple violations like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.

  The example below shows how speeding tickets and accidents raise Chevy HHR car insurance rates for each age group. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

• Don’t abuse auto insurance claims – Companies in Massachusetts generally give cheaper rates to people who are not frequent claim filers. If you file claims often, you can look forward to higher rates. Your car insurance is intended for claims that pose a financial burden.
• Big cities have higher rates – Living in smaller towns and rural areas of the country can save you money when shopping for auto insurance. Fewer drivers corresponds to lower accident rates. Residents of big cities have congested traffic and longer commutes to work. More time on the road can result in more accidents.
• Vehicle theft costs us all – Owning a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you. 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 cost less to insure.

• Age of drivers – Young drivers in Massachusetts have been known to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Adding a inexperienced driver to your auto insurance policy can increase premiums substantially. More experienced drivers are more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.

  The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Never let your auto insurance policy lapse – Not having insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. Not only will you pay higher rates, the inability to provide proof of insurance will get you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Massachusetts department of motor vehicles.
• Your liability insurance limits – Liability coverage will provide protection when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense starting from day one. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Why auto insurance is not optional

Even though Boston HHR insurance rates can get expensive, paying for auto insurance serves an important purpose.

• Most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage if you don’t want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Chevy, most banks will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chevy at a more expensive rate and make you pay for the expensive policy.
• Insurance safeguards both your vehicle and your assets. Insurance will pay for medical transport and hospital expenses that are the result of an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the repair costs.

The benefits of buying auto insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $810 a year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.