Chevy HHR Insurance Rates in Oklahoma City

Insurance quote for Chevy HHR in Oklahoma CityIf you’re searching for more affordable insurance on the web, are you overwhelmed by the crazy number of car insurance choices in your area? Many other people are too. Drivers have so many choices to choose from that it can really be a difficult challenge to locate the lowest premium rates for Chevy HHR insurance in Oklahoma City. If you live there, you know that Oklahoma City is an awesome place to live, but paying high car insurance rates can make it difficult for lots of drivers to be able to afford adequate coverage.

Steps to finding cheaper rates for Chevy HHR insurance in Oklahoma City

If saving money is your primary concern, then the best way to get more affordable Chevy HHR insurance in Oklahoma City is to make a habit of comparing prices annually from companies who sell insurance in Oklahoma.

  1. It will benefit you to learn about how auto insurance works and the changes you can make to prevent high rates. Many factors that cause high rates like traffic violations and a poor credit rating can be controlled by being financially responsible and driving safely.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can quote prices from multiple companies.
  3. Compare the quotes to your existing policy to see if a cheaper price is available in Oklahoma City. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
  4. Give notification to your current company of your intent to cancel your current policy. Submit any necessary down payment along with the completed application for your new policy. As soon as you can, keep your new certificate verifying coverage along with your vehicle registration.

A good tip to remember is that you’ll want to compare the same liability limits and deductibles on every quote request and and to get price quotes from as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and and a good selection of different prices.

It’s a fact that auto insurance companies don’t want their policyholders to compare prices. People who get price quotes annually are inclined to move their business because there is a good chance of finding coverage at a cheaper rate. A study discovered that people who routinely compared rates saved as much as $70 a month as compared to drivers who never shopped around for lower prices.

If finding the lowest rates on Chevy HHR insurance in Oklahoma City is your goal, understanding how to quote and compare coverage rates can help simplify the task of finding more affordable coverage.

It’s important to check car insurance prices every six months because prices change quite often. Just because you found the best rates on Chevy HHR insurance in Oklahoma City on your last policy there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

If you have a current insurance policy, you will definitely be able to reduce premiums using the concepts you’re about to learn. These tips will introduce you to how car insurance works and how to save the most money. But Oklahoma consumers must know the way companies market insurance on the web and use this information to your advantage.

How to find the cheapest Chevy HHR insurance in Oklahoma City, Oklahoma

Keep in mind that comparing more rates from different companies gives you a better chance of getting more affordable rates. Not every company provides rate quotes online, so you need to compare rates from them, too.

The following companies have been selected to offer price comparisons in Oklahoma City, OK. If more than one company is shown, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Chevy HHR insurance analysis

The coverage table shown next outlines a range of insurance prices for Chevy HHR models. Understanding more about how rates are formulated can benefit drivers when making informed coverage decisions.

Chevrolet HHR Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $188 $312 $430 $26 $128 $1,084 $90
HHR LT $188 $312 $430 $26 $128 $1,084 $90
HHR SS $210 $424 $430 $26 $128 $1,218 $102
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can affect prices noticeably.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The comparisons below can help illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Chevrolet HHR insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $436 $698 $448 $26 $134 $1,767 $147
HHR LT $436 $698 $448 $26 $134 $1,767 $147
HHR SS $486 $946 $448 $26 $134 $2,065 $172
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Chevrolet HHR insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $242 $368 $448 $26 $134 $1,218 $102
HHR LT $242 $368 $448 $26 $134 $1,218 $102
HHR SS $270 $498 $448 $26 $134 $1,376 $115
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can influence price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $49 more each month or $588 a year than quoting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 18 months between claim filings, you would come out ahead going with the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): – $106
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. That will force you to have enough money in the bank in order to pay the deductible for vehicle repair.

The information below demonstrates how deductibles and can raise or lower Chevy HHR insurance prices for different age categories. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Cost of full coverage in Oklahoma City

The illustration below compares Chevy HHR annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

When to buy liability coverage only

There isn’t a steadfast formula of when to phase out comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Chevy HHR replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your deductible. If you are paying in excess of $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain 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 not drop full coverage.

Local neighborhood Oklahoma City car insurance agents

Some consumers still prefer to buy from a local agent and that is a personal choice. A nice benefit of comparing auto insurance online is that drivers can save money and get the lowest rates and still have a local agent.

Insurance agency in Oklahoma CityTo find an agent, once you fill out this quick form, your coverage information is transmitted to insurance agents in Oklahoma City that can provide free Oklahoma City auto insurance quotes for your coverage. You won’t need to search for any insurance agencies as quotes are delivered to the email address you provide. You can find better rates and a licensed agent to talk to. If you need to get a comparison quote from one company in particular, just jump over to their website and give them your coverage information.

Finding the right provider needs to be determined by more than just the quoted price. Any agent in Oklahoma City should be willing to answer these questions.

Listed below are Oklahoma City insurers that are able to give rate quotes for Chevy HHR insurance in Oklahoma City.

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Best car insurance company in Oklahoma

Choosing the highest-rated company is difficult considering how many choices there are in Oklahoma. The information in the lists below could help you choose which car insurance providers to look at to insure your vehicles.

Best Car Insurance Companies in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies