If you want to find the absolute lowest rates, then the best way to save on car insurance rates is to annually compare prices from companies who provide car insurance in Long Beach.
- Step 1: Take a little time to learn about what coverages are included in your policy and the things you can control to drop your rates. Many policy risk factors that result in higher rates like speeding tickets, accidents and a less-than-favorable credit history can be improved by making small lifestyle or driving habit changes.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies.
- Step 3: Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
- Step 4: Notify your agent or company to cancel your current auto insurance policy and submit a completed policy application and payment for the new policy. As soon as you can, place your new certificate of insurance with your vehicle’s registration.
The key aspect of shopping around is that you use identical limits and deductibles on each price quote and and to compare every insurance company. This ensures the most accurate price comparison and the best price selection.
Smart shoppers know that auto insurance companies don’t want you comparing rates. People who compare rates at least once a year are likely to switch to a new company because of the good chance of finding more affordable rates. A recent survey revealed that drivers who regularly compared price quotes saved about $865 a year as compared to drivers who never compared rates.
If finding the lowest price for Chevy HHR insurance is your objective, understanding the best way to quote and compare insurance coverage can help make the process easier and more efficient.
Finding affordable insurance coverage in Long Beach can initially seem challenging. If you have a current insurance policy, you should be able to shop for the lowest rates using the techniques covered below. Shoppers only need an understanding of the most effective way to compare different rates from many companies at once.
Lower Your Long Beach Insurance Costs
The best way to find cheaper insurance is to take a look at some of the things that are used to determine the price you pay for insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower insurance prices. Multiple criteria are taken into consideration when quoting car insurance. Some are obvious like a motor vehicle report, but others are less apparent like your vehicle usage or how safe your car is.
Listed below are a few of the “ingredients” used by insurance companies to determine your rates.
- Getting married is a good thing – Being married may cut your premiums when shopping for insurance. Having a spouse means you’re more mature it has been statistically shown that married drivers tend to have fewer serious accidents.
- Save money with good credit – Your credit score is a large factor in determining your rates. People with high credit ratings tend to be better risks to insure as compared to drivers with lower credit scores. Therefore, if your credit history can use some improvement, you could be paying less to insure your Chevrolet HHR by improving your credit score.
- Annual miles is a factor – The more you drive in a year the more you’ll pay to insure it. Many insurance companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles qualify for better rates as compared to vehicles used primarily for driving to work. Incorrect rating for your HHR can result in significantly higher rates. Ask your agent if your policy states how each vehicle is driven.
- Be proud to be claim-free – Car insurance companies in California award the best rates to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of more catastrophic claims.
All the larger auto insurance companies allow consumers to get prices for coverage on the web. Doing online quotes for Chevy HHR insurance in Long Beach is possible for anyone because it’s just a matter of typing in your coverage preferences into a form. After the form is submitted, their system requests credit information and your driving record and returns a price quote based on the data you entered.
This makes it simple to compare prices and it’s very important to compare as many rates as possible in order to get cheaper prices.
To quickly find out how much you can save on auto insurance, compare rates now from the companies shown below. To compare your current rates, we recommend you duplicate coverages and limits just like they are on your policy. Doing this assures you will have rate quotes for similar coverage.
The companies shown below are our best choices to provide quotes in California. If multiple companies are listed, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Analysis of Chevy HHR rates
The price information displayed next outlines a range of insurance premium costs for Chevy HHR models. Understanding how insurance premiums are calculated can help customers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $228 | $408 | $574 | $34 | $172 | $1,416 | $118 |
| HHR LT | $228 | $408 | $574 | $34 | $172 | $1,416 | $118 |
| HHR SS | $254 | $554 | $574 | $34 | $172 | $1,588 | $132 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can alter coverage rates significantly.
Rate comparison for different deductibles
When buying insurance, a common question is where should you set your physical damage deductibles. The premium rates below can help show the price difference between high and low insurance deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| HHR LT | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| HHR SS | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| HHR LT | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| HHR SS | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific zip code location which can change auto insurance rates substantially.
We can estimate from the data above that using a $100 deductible costs an average of $32 more each month or $384 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claims, you would probably be better off if you decide on a higher deductible.
Chevrolet HHR insurance premiums by gender and age
The illustration below illustrates the comparison of Chevy HHR insurance rates for male and female drivers. The premiums assume no claims or driving violations, full coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Rate difference between full and liability-only coverage
The example below shows the comparison of Chevy HHR insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no specific rule to delete physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your Chevy HHR replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Insuring your HHR just makes sense
Despite the high cost of buying insurance for a Chevy HHR in Long Beach, car insurance serves an important purpose.
First, most states have mandatory insurance requirements which means state laws require specific minimum amounts of liability coverage if you don’t want to risk a ticket. In California 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 make it a condition of the loan 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 bank will be required to insure your Chevy at a significantly higher premium and require you to pay the higher price.
Third, car insurance protects both your car and your personal assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your Chevy gets damaged, your policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance more than offset the price you pay, especially when you need to use it. Unknowingly, the average driver is wasting up to $750 every year so you should quote and compare rates each time the policy renews to save money.
Lower your car insurance rates with discounts
Car insurance is expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but a few must be manually applied before they will apply.
- Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you lower car insurance rates if you buy life insurance from them.
- Buy New and Save – Insuring a new HHR may earn a small discount since new model year vehicles are generally safer.
- Safety Restraint Discount – Requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
- Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- More Vehicles More Savings – Buying coverage for multiple cars on one policy can get a discount on all vehicles.
- Defensive Driver – Completing a course in defensive driving could save 5% or more depending on where you live.
- Low Mileage – Driving fewer miles could be rewarded with lower prices on the low mileage vehicles.
- Good Grades Discount – Excelling in school may save you up to 25%. This discount can apply well after school through age 25.
- Homeowners Savings – Owning a home in Long Beach may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
- Drive Safe and Save – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
Don’t be shocked that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, car insurance companies aren’t that generous.
The information below shows the comparison of Chevy HHR yearly insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, homeowner, and safe-driver discounts applied.
Car insurance companies that may offer policyholders most of the discounts above include:
When quoting, ask all the companies the best way to save money. Some discounts might not be available to policyholders in Long Beach.
What if I want to buy from local Long Beach car insurance agents?
Certain consumers still prefer to talk to a local agent and that is just fine! Experienced insurance agents can answer important questions and help in the event of a claim. A nice benefit of comparing insurance prices online is the fact that drivers can get cheaper auto insurance rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is immediately sent to agents in your area that provide free Long Beach car insurance quotes and help you find cheaper coverage. There is no reason to drive around because quoted prices will be sent to you. If you want to get a rate quote from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Choosing an company needs to be determined by more than just a cheap price. Any agent in Long Beach should have no problem answering these questions:
- Do they reduce claim amounts on high mileage vehicles?
- Are they primarily personal or commercial lines agents in Long Beach?
- Do they offer claims assistance after hours?
- Are claims handled at the agent’s location?
- Is coverage determined by price?
Best auto insurance agent in Long Beach
If you want a reputable agency, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Car insurance agents in Long Beach are categorized either exclusive agents or independent agents. Either one can sell and service car insurance coverage, but it’s worth mentioning why they differ because it can influence the kind of agent you use.
Exclusive Car Insurance Agencies
Exclusive agents normally can only provide a single company’s rates like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare rates from other companies so keep that in mind. Exclusive insurance agents are very knowledgeable on sales techniques which can be an advantage. A lot of people purchase coverage from exclusives mainly due to loyalty to the company and solid financial strength.
Below are Long Beach exclusive insurance agents who can help you get price quotes.
- Farmers Insurance: Edward Reyes
1424 W Willow St – Long Beach, CA 90810 – (562) 427-7030 – View Map - Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map - Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map
Independent Insurance Agents
These type of agents do not sell for just one brand so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rate quotes, you definitely need to get several quotes from multiple independent agents in order to compare the most rates. Most independent agents also contract with smaller regional carriers that can offer cheaper rates than bigger companies.
The following are Long Beach independent insurance agencies willing to provide rate quotes.
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
After talking to the agent and getting positive responses to your questions as well as offering an affordable quote, it’s a good possibility that you have found an insurance agent that is a good match to properly insure your vehicles.
How do I know if I need professional advice?
When quoting and choosing coverage online or from an agent, there isn’t really a one-size-fits-all type of policy. Your needs are unique to you.
For instance, these questions may help highlight whether you will benefit from professional help.
- Can I use my car for my catering business?
- Is pet coverage available?
- What is an adequate liability insurance limit?
- Do I need to call my car insurance company before buying a new car?
- What policy terms are available?
- Does my car insurance cover rental cars?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Lower rates by being persistent
As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions or even poor customer service. Regardless of your reason, finding a new company can be pretty painless.
You just read some good ideas how to save on Chevy HHR insurance in Long Beach. The most important thing to understand is the more you quote Long Beach car insurance, the better chance you’ll have of finding the cheapest Chevrolet HHR rate quotes. You may even be surprised to find that the lowest premium rates come from the smaller companies.
To learn more, link through to the resources below:
- Credit and Insurance Scores (Insurance Information Institute)
- What Auto Insurance is Cheapest for High Risk Drivers in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Car Insurance for 16 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Fusion in Long Beach? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)
- Things to Know Before you Cancel Insurance (Allstate)
- Neck Injury FAQ (iihs.org)