Sad but true, nearly 70% of consumers have bought insurance from the same company for more than four years, and virtually 40% of consumers have never even compared quotes to find lower-cost rates. With the average premium in Nebraska being $1,440, drivers could cut their rates by roughly $390 a year just by shopping around, but they feel it’s too difficult to compare rates online.
If saving money is your primary concern, then the best way to get discount Chevy HHR insurance in Omaha is to start comparing prices regularly from providers who sell insurance in Nebraska.
First, spend a few minutes and learn about what is in your policy and the factors you can control to drop your rates. Many risk factors that are responsible for high rates like traffic violations and an imperfect credit history can be controlled by making minor changes in your lifestyle. Read the full article for more ideas to help prevent high rates and find discounts that may have been missed.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agents can give you price quotes from multiple insurance companies.
Third, compare the price quotes to your current policy to see if cheaper HHR coverage is available. If you can save money and decide to switch, make sure there is no coverage gap between policies.
Fourth, tell your current agent or company of your intent to cancel the current policy. Submit a completed application and payment for your new coverage. Don’t forget to place your new proof of insurance certificate with your registration paperwork.
One key aspect when comparing rates is to use identical limits and deductibles on every price quote and to quote with every company you can. This ensures a fair rate comparison and the best price quote selection.
How to Lower Your Insurance Prices
An important part of buying insurance is that you know the different types of things that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that could result in lower auto insurance prices. Many things are used when you get a price on insurance. Most are fairly basic like an MVR report, although others are more transparent like where you live or your vehicle rating.
Listed below are some of the most rate-impacting factors used by insurance companies to determine premiums.
- Lower premiums for vehicles with better crash test results – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates. If your Chevy HHR has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Occupation can influence rates – Careers like military generals, police officers, and emergency personnel have higher premiums than the average policyholder in part from stressful work requirements and long work days. Conversely, careers like professors, athletes and the unemployed receive lower rates.
Gender as a rate factor – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes are in fender benders in similar percentages, but the male of the species tend to have higher claims. They also have more aggressive citations such as reckless driving. Teenage male drivers cause the most accidents and therefore have the most expensive auto insurance rates.
The illustration below visualizes the comparison of Chevy HHR insurance premiums for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
- Lower prices with continuous auto insurance coverage – Driving any period of time without insurance is a big no-no and any future policy may cost more because you let your coverage have a gap. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a license revocation or jail time.
- Vehicle features impact prices – Selecting a car model with a theft deterrent system can save you a little every year. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
- Limits of liability protection – The liability coverage on your policy is the protection if a jury decides you are liable for causing personal injury or damage in an accident. It provides you with a defense in court which can be incredibly expensive. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
- Poor credit decisions can cost you – An insured’s credit rating will be a significant factor in determining what you pay for auto insurance. Therefore, if your credit rating is not that good, you could pay less to insure your Chevrolet HHR if you clean up your credit. People that have very good credit scores tend to be more responsible than drivers with worse credit.
The best way we recommend to get policy rate comparisons for Chevy HHR insurance in Omaha takes advantage of the fact most of the bigger providers allow for online access to provide you with free rate quotes. The only thing you need to do is provide information such as your general credit rating, how much coverage you want, how much education you have, and whether the vehicles are used for commuting. That information is automatically sent to multiple top-rated companies and they return cost estimate instantly.
To compare lower-cost Chevy HHR insurance rates now, click here then complete the form.
The companies in the list below are our best choices to provide free rate quotes in Omaha, NE. If you wish to find cheap auto insurance in Omaha, NE, it’s a good idea that you visit as many as you can to get the best price comparison.
Chevy HHR coverage statistics
The table displayed next showcases detailed analysis of insurance premium costs for Chevy HHR models. Having a good understanding how auto insurance prices are formulated can be of help when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can alter rates noticeably.
The illustration below shows how different deductible levels and can increase or decrease Chevy HHR premium costs for different insured age categories. The prices are based on a single female driver, comp and collision included, and no additional discounts are factored in.
Bad driving habits will cost you more
The example below illustrates how traffic citations and accident claims can impact Chevy HHR insurance rates for each age group. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Should you buy full coverage?
The illustration below illustrates the comparison of Chevy HHR yearly insurance costs with and without physical damage coverage. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no definitive guideline to delete full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Chevy HHR replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the deductible is paid. If premiums are more than $300 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Insurance is not optional in Nebraska
Despite the high cost of buying insurance for a Chevy HHR in Omaha, insurance is required in Nebraska but also provides important benefits.
- The majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability coverage if you don’t want to risk a ticket. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your HHR has a lienholder, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your Chevy for a much higher rate and force you to pay the higher premium.
- Insurance preserves not only your car but also your assets. It will also cover all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.
The benefits of having insurance outweigh the cost, especially if you ever need it. The average driver in Nebraska is wasting up to $865 each year so you should quote and compare rates every year to ensure rates are inline.
Discounts for lower-cost auto insurance rates
The cost of insuring your cars can be expensive, but there are discounts available that can dramatically reduce your bill. Some discounts apply automatically when you purchase, but some may not be applied and must be asked about before being credited.
- Auto/Home Discount – If you combine your auto and homeowners policies with one insurance company you could save nearly 15% which can help you find the cheapest Chevrolet HHR insurance in Omaha.
- Telematics Discount – Policyholders that allow their insurance company to study when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
- Defensive Driving Course – Taking time to complete a course teaching driver safety skills can save you 5% or more and also improve your driving technique.
- Multiple Vehicles – Insuring all your vehicles on one policy can reduce rates for all insured vehicles.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
You should keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.
The information below shows the difference between Chevy HHR insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, claim-free, and homeowner discounts applied.
To view companies that offer discounts in Omaha, follow this link.
When should I contact an insurance agency?
Some consumers just prefer to talk to an insurance agent and that is not a bad decision Good agents can help determine the best coverages and will help you if you have claims. A nice benefit of comparing rates online is that you can find lower rates but still work with a licensed agent.
After completing this short form, your coverage information is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You won’t need to find an agent due to the fact that quote results will go to the email address you provide. If you wish to compare prices for a specific company, just visit that company’s website and fill out the quote form the provide.
Picking the best provider should depend on more than just the bottom line cost. These are some questions you should get answers to.
- Which members of your family are coverage by the policy?
- What is the agency’s Better Business Bureau rating?
- Does the agency provide any after hours assistance?
- Do you work with a CSR or direct with the agent?
- Is the agent and/or agency licensed to do business in Nebraska?
- Do they specialize in personal lines coverage in Omaha?
- Do they have cheaper tiers of coverage?
When narrowing the list to find a good insurance agency, there are two different types of agents and how they are distinctly different. Agencies in Omaha can be classified as either independent agents or exclusive agents depending on their employer. Both write insurance policies, but it’s important to know how they are different because it may have an impact on your agent selection.
Agents in the exclusive channel write business for a single company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are usually well trained on their products and sales techniques which aids in selling service over price.
Below are Omaha exclusive insurance agencies that can give you price quote information.
American Family Insurance – T. C. Johnson Agency Inc.
155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map
Independent Insurance Agents
Agents in the independent channel do not work for one specific company so they can write business through many companies and find the cheapest insurance rates. If you are not satisfied with one company, the agent simply finds a different carrier and you can keep the same agent. When comparing insurance rates, you need to include price quotes from multiple independent agents for the best price selection.
Shown below is a short list of independent agents in Omaha who can help you get price quote information.
After getting good responses to these questions and an acceptable price quote, most likely you have located an insurance agency that meets the requirements to provide insurance coverage.
In the end, you can save money
In this article, we covered many tips how you can find cheap Chevy HHR insurance in Omaha. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest Chevrolet HHR rate quotes. You may even be surprised to find that the best rates are with a company that doesn’t do a lot of advertising. They often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.
Cheap Chevy HHR insurance in Omaha is available from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. A few companies don’t offer internet price quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.
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