Three Easy Steps to Lower Chevrolet HHR Panel Insurance Rates
If we enjoyed shopping for car insurance, we'd do it more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Buying insurance on your Chevrolet HHR Panel might leave you feeling the same way.
Step One: Get Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. But now you can eliminate that hassle and buy online!
Comparing apples-to-apples price quotes for your Chevrolet HHR Panel is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your HHR Panel.
Step Two: Techniques to Lower your HHR Panel Insurance Rates
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your HHR Panel insurance rates.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- How is your credit rating? The better credit you have, the less insurance will cost for your HHR Panel. If you have bad credit, work on improving your credit score and repair past credit problems.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
Step Three: Make an Informed Buying Decision
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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