How to Compare Louisville Chevy HHR Insurance

Do you need a fast way to compare more competitive Chevy HHR insurance in Louisville? Price shopping your Chevy HHR insurance in Louisville could be a challenge for drivers new to quoting coverage prices online. Because there are so many insurers available, it can quickly become a real difficult job to locate the lowest coverage rates.

How to find affordable quotes for Chevy HHR insurance in Louisville

The easiest way to find affordable quotes for Chevy HHR insurance is to make a habit of regularly comparing prices from insurance carriers who provide car insurance in Louisville.

First, take a few minutes and learn about the coverage provided by your policy and the factors you can control to lower rates. Many rating criteria that cause rate increases such as traffic violations, accidents, and a lousy credit rating can be controlled by making minor driving habit or lifestyle changes. Later in this article we will cover more details to get better rates and earn a bigger discount.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can provide prices for a wide range of insurance providers.

Third, compare the new rate quotes to your current policy premium to determine if you can save on HHR insurance. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.

Fourth, provide proper notification to your current company to cancel your current car insurance policy and submit the signed application along with the required initial payment to your new insurance company. When you receive it, keep your new proof of insurance certificate along with your vehicle registration.

The critical component of shopping around is to try to use the same physical damage deductibles and liability limits on every quote request and to quote with as many carriers as you can. This guarantees a level playing field and a thorough selection of prices.

Sad but true, most drivers have been with the same company for more than four years, and nearly half have never taken the time to shop around. Drivers in Kentucky could save about $631 a year just by getting comparison quotes, but they assume it’s a waste of time to do a rate comparison.

You should make it a habit to do rate comparisons occasionally since insurance prices change regularly. Just because you found the lowest rate on Chevy HHR insurance in Louisville a couple years back you can probably find a better premium rate now. Forget all the misinformation about auto insurance because it’s time to teach you the right way to find better rates and still maintain coverage.

Learn How to Lower Your Insurance Prices

Lots of things are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are less apparent like your continuous coverage and annual miles driven.

The list below includes some of the factors utilized by car insurance companies to help set premiums.

• Your age impacts your costs – More experienced drivers have been proven to be more responsible, tend to file fewer claims, and are generally more financially stable. Teenage drivers are proven to be inattentive behind the wheel so auto insurance rates are higher.

  The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Getting married brings a discount – Your spouse may save some money on your auto insurance policy. Having a spouse demonstrates that you tend to be more financially stable and it’s statistically proven that married couples file fewer claims.
• Save by staying claim free – Companies in Kentucky generally give better rates to drivers who are not frequent claim filers. If you file claims often, you can expect much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
• Optional features that lower premiums – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
• Prices impacted by your city – Living in smaller towns and rural areas of the country has it’s advantages when insuring your vehicles. People in densely populated areas have more road rage incidents and more severe claims. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
• Higher rates for specific jobs – Occupations like doctors, airline pilots, and dentists are shown to have higher premium rates in part from high stress and long work hours. Conversely, careers like actors, engineers and the unemployed have the lowest average rates.
• Cheaper prices for prior coverage – Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the Kentucky motor vehicle department to get your license reinstated.

All major car insurance companies like 21st Century, Allstate and State Farm allow you to get coverage prices from their websites. Getting quotes for Chevy HHR insurance in Louisville is fairly simple as you simply enter your coverage information into the quote form. Once you submit the form, their system automatically retrieves credit information and your driving record and returns a price.

Being able to quote online for Chevy HHR insurance in Louisville makes comparing rates easy, and it’s necessary to do this if you are searching for affordable rates.

To find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will have rate comparison quotes for the exact same coverage.

The providers in the list below provide free quotes in Kentucky. If multiple companies are listed, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Rates and statistics

The coverage table displayed next outlines a range of insurance premium costs for Chevy HHR models. Learning a little about how insurance policy premiums are figured is important for drivers to make decisions when shopping your coverage around.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can increase or decrease coverage rates significantly.

Analysis of deductible levels

One common question asked by Louisville drivers is which comprehensive and collision deductibles to buy. The rates shown below may help to conceptualize the rate differences of buying low and high comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in zip code location which can influence prices greatly.

We can estimate from the data above that using a $100 deductible will cost you about $25 more each month or $300 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 16 months between claims, you would most likely save money if you elect the higher deductible.

Violations and accidents raise rates

The chart below highlights how traffic violations and at-fault claims can affect Chevy HHR annual premium costs for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Gender-based auto insurance premiums

The diagram below illustrates the difference between Chevy HHR car insurance rates for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The information below shows the difference between Chevy HHR insurance costs with full physical damage coverage and with liability coverage only. Data assumes no claims or violations, $250 deductibles, marital status is single, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no definitive guideline of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Chevy HHR book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the deductible is paid. If you are currently paying more than $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Chevy HHR insurance, car insurance is a good idea for several reasons.

First, most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. In Kentucky 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.

Second, if you bought your vehicle with a loan, almost every bank will stipulate that you buy full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher rate and force you to pay much more than you were paying before.

Third, insurance protects not only your car but also your assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your Chevy gets damaged, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. An average driver in America overpays as much as $750 every year so shop around at least once a year to save money.

Louisville auto insurance discounts

Some providers don’t always list every possible discount in a way that’s easy to find, so the list below details a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If they aren’t giving you every credit available, you are just wasting money.

• Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your next auto insurance statement.
• Good Driver Discount – Insureds who avoid accidents can save as much as half off their rates than their less cautious counterparts.
• Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off with select insurance companies.
• No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison to policyholders that have many claims.
• Home Ownership Discount – Being a homeowner may trigger a policy discount on auto insurance because it is proof that your finances are in order.

One thing to note about discounts is that some of the credits will not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

The information below illustrates the difference between Chevy HHR annual premium costs with and without discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Kentucky 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, claim-free, homeowner, safe-driver, and marriage discounts applied.

To find providers that provide some of the discounts listed above in Kentucky, click here.

Local agents and insurance

Some people just prefer to sit down and talk to an agent and often times that is recommended The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap insurance rates and still have an agent to talk to.

To make it easy to find an agent, after completing this simple form, your information is emailed to local insurance agents in Louisville that give free quotes to get your business. You never need to contact any insurance agencies since price quotes are sent to the email address you provide. You’ll get the best rates without the usual hassles of price shopping. If you want to get a comparison quote from a specific insurance company, you can always navigate to their website to submit a rate quote request.

Finding a good company is decision based upon more than just a cheap price quote. You should also get answers to these questions.

• Can you choose the body shop in case repairs are needed?
• Is the agency active in community causes in Louisville?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• How many companies do they write for?
• Are they giving you every discount you deserve?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they see any coverage gaps in your plan?
• Will they make sure you get an adequate claim settlement?

Compare rates from both independent and exclusive auto insurance agents

If you want to use local Louisville agents, you must know there are a couple different types of agents and how they operate. Agents in Louisville can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents in the exclusive channel are contracted to one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only buy from exclusive agents partially due to the brand name instead of buying on price only.

Listed below are Louisville exclusive insurance agents that are able to give comparison quotes.

• Milt Nugent – State Farm Insurance Agent
  1005 Dupont Square N – Louisville, KY 40207 – (502) 897-6426 – View Map
• Troy Coulter – State Farm Insurance Agent
  4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002 – View Map
• Justin Roper – State Farm Insurance Agent
  8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211 – View Map

View more agents

Independent Agents

Independent insurance agents can sell policies from many different companies so as a result can place your coverage through lots of different companies and find you cheaper rates. If your agent finds better pricing, your agent can switch companies which makes it simple for you. When comparison shopping, you will want to get quotes from a few independent agents to ensure the widest selection of prices. They also have the ability to place coverage with small regional insurance companies who may have lower rates.

Listed below are independent insurance agents in Louisville who can help you get rate quotes.

• A Central Insurance Agency
  6708 Shepherdsville Rd – Louisville, KY 40228 – (502) 968-1112 – View Map
• Nelson Insurance Group
  2000 Envoy Cir # 2000 – Louisville, KY 40299 – (502) 736-7000 – View Map
• Claude Reynolds Insurance
  6801 Dixie Hwy #232 – Louisville, KY 40258 – (502) 933-2255 – View Map

View more agents

If you get good responses for all questions you ask and a low price estimate, you’ve probably found an insurance agent that can be trusted to provide insurance coverage.

How to find a good Kentucky auto insurance company

Selecting the best car insurance company is difficult considering how many different insurance companies sell coverage in Kentucky. The company rank data below could help you choose which insurers you want to consider buying from.

Top 10 Louisville Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Louisville Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Do I need special coverages?

Always keep in mind that when comparing coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether you would benefit from professional advice.

• What is the premium to book value ratio for dropping full coverage?
• Am I covered when driving in Canada or Mexico?
• What are good deductibles for a Chevy HHR?
• Am I covered by my spouse’s policy after a separation?
• Should I buy additional glass protection?
• What does medical payments coverage do?
• Do I really need UM/UIM coverage?
• Is rental equipment covered for theft or damage?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Persistent drivers can save

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. Too many times, someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

In this article, we presented some good ideas how to shop for Chevy HHR insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, high prices and even denial of a claim. Whatever your reason, finding a new car insurance company can be easy and end up saving you some money.

Steps to buying affordable Chevy HHR insurance in Louisville

If you want to save money, the best way to get budget car insurance rates in Louisville is to compare prices at least once a year from different companies who provide car insurance in Kentucky. Rate comparisons can be done by completing these steps.

First, get an understanding of auto insurance and the measures you can take to lower rates. Many risk factors that are responsible for high rates such as speeding tickets, accidents and a poor credit score can be remedied by making minor changes to your lifestyle.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes for a wide range of companies. Select a company

Third, compare the new quotes to your current policy to see if cheaper HHR coverage is available in Louisville. If you find a better price, ensure coverage does not lapse between policies.

Fourth, tell your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to the new company. Immediately upon receiving it, place the new certificate of insurance with your vehicle’s registration.

One key aspect when comparing rates is to make sure you’re comparing the same level of coverage on each price quote and and to get price estimates from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and a complete selection of prices.

Helpful resources

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has Affordable Louisville Car Insurance Quotes for Police Officers? (FAQ)
• Who Has Cheap Louisville Car Insurance Rates for High Mileage Drivers? (FAQ)
• Who Has Affordable Car Insurance Rates for Electric Cars in Louisville? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Understanding Rental Car Insurance (Insurance Information Institute)