A recent car insurance study discovered that the vast majority of consumers have been with the same company for over three years, and just short of a majority have never even compared quotes to find cheaper rates. Many drivers in the U.S. could save an average of almost 46.5% each year just by shopping around, but they feel it’s too difficult to compare rate quotes.
Truthfully, the best way to get low-cost car insurance rates is to start comparing rates regularly from insurance carriers in Nashville. Rate comparisons can be done by completing these steps.
- Step 1: Take a little time to learn about how auto insurance works and the steps you can take to lower rates. Many things that are responsible for high rates such as traffic tickets, fender benders, and an imperfect credit score can be eliminated by paying attention to minor details.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for many different companies.
- Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a lower rate and change companies, make sure coverage does not lapse between policies.
The critical component of shopping around is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to look at as many car insurance companies as possible. Doing this enables a level playing field and a complete rate analysis.
If you have auto insurance now, you will surely be able to buy cheaper auto insurance using the concepts covered in this article. Buying affordable protection in Nashville is not that difficult. Although Tennessee consumers should learn how big insurance companies determine premium rates and use it to find better rates.
Best companies for competitive Chevy HHR insurance in Tennessee
The companies shown below provide free quotes in Tennessee. If your goal is to find cheaper auto insurance in TN, we recommend you visit several of them to get a more complete price comparison.
Chevy HHR insurance statistics and information
The price information displayed below covers different insurance rates for Chevy HHR models. Learning how insurance premiums are figured can help guide drivers when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific location information which can decrease or increase prices significantly.
The chart below demonstrates how deductibles and can change Chevy HHR insurance premiums for different age groups of insureds. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
How accidents and tickets impact rates
The example below illustrates how traffic citations and fender-benders can increase Chevy HHR auto insurance costs for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Annual premiums for males versus females in Nashville
The information below compares Chevy HHR premium costs for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The chart below shows the difference between Chevy HHR insurance costs with full physical damage coverage and with liability coverage only. The information is based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no set guideline for excluding full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Chevy HHR settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 a year for full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Discounts mean cheaper rates for Chevy HHR insurance in Nashville
Some companies don’t list every discount available very clearly, so the below list has a few of the more common and the harder-to-find discounts that you may qualify for. If you do not double check each discount you qualify for, you’re paying more than you need to.
- Good Drivers – Safe drivers may save up to 50% more than drivers with accidents.
- Switch and Save Discount – A few larger companies offer discounts for switching policies early. Ten percent is about the average savings.
- ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
- Savings for New Vehicles – Insuring a new HHR may earn a small discount because new model year vehicles keep occupants safer.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems could see savings of 25 to 30%.
While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance policy, you won’t be that lucky.
The example below shows the comparison of Chevy HHR car insurance rates with and without policy discounts. The premiums are based on a female driver, no violations or accidents, Tennessee 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 safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.
Larger insurance companies and some of their more popular discounts are shown below.
- Progressive offers discounts including online quote discount, good student, continuous coverage, online signing, multi-policy, multi-vehicle, and homeowner.
- The Hartford discounts include defensive driver, driver training, good student, vehicle fuel type, bundle, anti-theft, and air bag.
- Mercury Insurance may offer discounts for low natural disaster claims, multi-car, good driver, anti-theft, and location of vehicle.
- GEICO offers discounts for good student, military active duty, multi-policy, anti-lock brakes, and seat belt use.
- AAA has savings for education and occupation, anti-theft, multi-car, AAA membership discount, pay-in-full, multi-policy, and good driver.
- State Farm policyholders can earn discounts including driver’s education, good student, good driver, Drive Safe & Save, accident-free, multiple autos, and anti-theft.
When quoting, ask all companies you are considering which discounts you may be entitled to. Discounts may not be offered in Nashville.
Informed Consumers Save More
Many things are used when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are less apparent such as whether you are married or your commute time.
The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set premiums.
Get hitched and get cheaper premiums – Getting married actually saves money compared to being single. Having a significant other generally demonstrates drivers are more financially stable and it’s statistically proven that married drivers get in fewer accidents.
Raising comp and collision deductibles saves money – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of covered claims are a broken side mirror, collision with an animal, and burglary. Comp and collision deductibles tell how much you are willing to pay in the event of a claim. The more of the claim the insured is willing to pay, the less money you will pay for auto insurance.
More policies can equal more savings – Most insurers will give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to check prices from other companies to make sure you are getting the best deal.
Alarms and GPS tracking systems cut prices – Driving a car with a theft deterrent system can help bring down rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
Insurance rates are higher for high performance vehicles – The performance level of the car, truck or SUV you drive makes a substantial difference in your car insurance bill. The best insurance prices are generally reserved for the lowest performance passenger cars, but many other things help determine your insurance rates.
The next chart is based on a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Chevrolet HHR rates compared to other models of vehicles that have a range of performance risks.
Vehicles with better crash test results save money – Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles help reduce the chance of injuries in an accident and fewer injuries means less money paid by your insurance company and thus lower rates. If your Chevy is rated at a minimum four stars on Safercar.gov you may be receiving a better rate.
Which policy gives me the best coverage?
When it comes to coverage, there really is no single plan that fits everyone. Every situation is different.
For example, these questions might point out whether you might need an agent’s assistance.
- Should I buy additional glass protection?
- How much will a speeding ticket raise my rates?
- Why do I need rental car insurance?
- Does insurance cover tools stolen from my truck?
- Why am I required to buy liability insurance?
- How can I get the company to pay a claim?
- Should I rate my Chevy HHR as pleasure use or commute?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Insurance agents can help
Many drivers still prefer to get professional advice from a licensed agent and we recommend doing that The best thing about comparing insurance prices online is the fact that drivers can get cheaper rates and also buy local. And supporting neighborhood insurance agencies is definitely important in Nashville.
After completing this quick form, the quote information is immediately sent to local insurance agents in Nashville who can give free rate quotes for your business. You won’t need to visit any agencies since rate quotes are delivered to you directly. You can most likely find cheaper rates and work with a local agent. If for some reason you want to compare rates from a specific insurance company, you would need to search and find their rate quote page and give them your coverage information.
Choosing a insurer requires you to look at more than just the quoted price. Here are some questions you might want to ask.
- Is the agency active in community causes in Nashville?
- Is assistance available after office hours?
- Is coverage determined by price?
- Do they specialize in personal lines auto insurance in Nashville?
- Is there any savings for paying the full premium?
- Can they give you a list of client referrals?
- If your car is in the repair shop, do you have coverage for a rental car?
Cheaper auto insurance is a realistic goal
We just covered a lot of techniques to save on Chevy HHR insurance in Nashville. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest rates come from some of the smallest insurance companies.
Budget-conscious Chevy HHR insurance can be sourced both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not have the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents.
Insureds leave their current company for many reasons like delays in paying claims, denial of a claim, poor customer service or high prices. Regardless of your reason for switching companies, finding a great new company is actually quite simple.
More detailed auto insurance information is located in the articles below:
- Rollover Crash FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for Infrequent Drivers in Nashville? (FAQ)
- Who Has Affordable Auto Insurance for a Subaru Outback in Nashville? (FAQ)
- What Auto Insurance is Cheapest for a Honda Accord in Nashville? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Seniors in Nashville? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)