Cheapest Insurance for a Chevy HHR in Greensboro

A recent study showed that over 70% of drivers have stayed with the same insurance company for a minimum of four years, and just under half have never shopped around. Most drivers in Greensboro could pocket about $90 a year just by getting comparison quotes, but they don’t understand how simple it is to compare rate quotes.

If your goal is the lowest price, then the best way to save money on Chevy HHR insurance is to compare prices once a year from different companies who provide auto insurance in Greensboro. Prices can be compared by following these guidelines.

Step 1: It will benefit you to learn about what is in your policy and the steps you can take to keep rates down. Many rating factors that increase rates such as traffic citations, accidents, and your credit history can be amended by paying attention to minor details.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from many different companies.

Step 3: Compare the new rate quotes to your current policy to see if a cheaper rate is available. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

The most important part of this process is that you’ll want to make sure you compare identical deductibles and limits on each quote and and to get prices from every company you can. Doing this ensures an accurate price comparison and the best price selection.

Compare Greensboro Chevy HHR insurance price quotes

The companies in the list below offer quotes in Greensboro, NC. To get the cheapest auto insurance in Greensboro, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.

Insurance coverage details

The table below covers different prices for Chevy HHR models. Learning a little about how rate quotes are established can benefit drivers when making smart choices when selecting a policy.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific Greensboro garaging location which can impact insurance rates noticeably.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The rates below sum up the costs and benefits between low and high physical damage deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in your specific Greensboro location which can change premium rates considerably.

Based on the above data, using a $250 deductible will cost you about $20 more each month or $240 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 38 months between claim filings, you would probably be better off if you elect the higher deductible.

One important note is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You need some non-essential savings in order to pay more to get your vehicle repaired.

The illustration below illustrates how your deductible choice and can impact Chevy HHR premium costs for different insured age categories. Data assumes a married female driver, comp and collision included, and no additional discounts are factored in.

Rate comparison of full coverage and liability-only

The example below shows the comparison of Chevy HHR car insurance costs with and without full coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive rule to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s assume your Chevy HHR book value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing you more than $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where removing full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Car insurance quotes and discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even know about. Some discounts apply automatically at the time of quoting, but less common discounts must be asked for prior to receiving the credit.

• One Accident Forgiven – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
• Home Ownership Discount – Owning a house in Greensboro can earn you a little savings since home ownership demonstrates responsibility.
• Employee of Federal Government – Active or retired federal employment could cut as much as 10% off depending on your car insurance provider.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for better rates on cars that stay parked.
• Renewal Discounts – A few companies allow discounts for buying a policy early. You can save around 10% with this discount.
• Memberships – Being in a civic or occupational organization in Greensboro is a good way to get lower rates when shopping for car insurance.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
• Defensive Driver Discount – Taking part in a class that teaches driver safety techniques could cut 5% off your bill and easily recoup the cost of the course.
• Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one insurance company you will save as much as 10 to 15 percent.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

The illustration below compares Chevy HHR auto insurance costs with and without discounts applied to the premium. The information is based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, claim-free, and multi-policy discounts applied.

For a list of car insurance companies with significant discounts in North Carolina, click here.

Why you need insurance for your vehicle

Even though it can be expensive, buying auto insurance may be required for several reasons.

• Just about all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your HHR, most lenders will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Chevy at a much higher rate and force you to pay for the expensive policy.
• Auto insurance preserves both your Chevy HHR and your assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $869 every year so compare rate quotes at every renewal to ensure rates are competitive.

Best car insurance in Greensboro

Insuring your vehicle with the right insurance provider can be difficult considering how many choices you have in Greensboro. The information shown next may help you pick which auto insurance companies to look at when shopping your coverage around.

Top 10 Greensboro Car Insurance Companies Overall

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

Top 10 Greensboro Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there really isn’t a perfect coverage plan. Your needs are unique to you.

For example, these questions might help in determining if your situation may require specific advice.

• What if an uninsured driver hits me?
• Why am I required to buy high-risk coverage?
• Is my camper covered by my car insurance policy?
• Why do I need rental car insurance?
• Will my rates increase for filing one claim?
• Should I pay a claim out-of-pocket?
• What is an SR-22 filing?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Compare rates but buy from a local Greensboro insurance agent

Many drivers just want to visit with an insurance agent and that can be a great decision Insurance agents can point out coverage gaps and help you file claims. An additional benefit of comparing rates online is that you can find lower car insurance rates and still choose a local agent.

After completing this short form, your insurance data is transmitted to local insurance agents in Greensboro who will give competitive quotes for your business. It makes it easy because there is no need to contact any agents as quotes are delivered immediately to your email address. In the event you want to compare rates from a specific company, just go to their quote page and complete a quote there.

Selecting an provider should include more criteria than just a cheap price. These are some questions your agent should answer.

• If your car is in the repair shop, do you have coverage for a rental car?
• What discounts might you be missing?
• Do they offer accident forgiveness?
• Is coverage determined by price?
• Is their price quote a firm figure or are their hidden costs?
• Is there a Errors and Omissions policy in force?
• Do they have designations such as AIC, CPCU, or CIC?
• Do they get paid more for recommending certain coverages?

When researching a reliable insurance agent, there are a couple of different types of agents and how they are slightly different. Insurance agencies may be either independent (non-exclusive) or exclusive. Both types of agents can handle insurance, but it is important to understand the difference between them since it can affect which type of agent you select.

Exclusive Insurance Agents

These agents can only place business with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are well trained on their products and sales techniques which can be an advantage. Consumers sometimes choose to use a exclusive agent mostly because of the prominent brand name and solid financial strength.

Below are Greensboro exclusive insurance agents willing to provide rate quotes.

• Allstate Insurance: Kayode Abimbola
  603 Summit Ave #101 – Greensboro, NC 27405 – (336) 273-6363 – View Map
• GEICO Insurance Agent
  4401 W Wendover Ave #103 – Greensboro, NC 27407 – (336) 852-7283 – View Map
• Jim Young – State Farm Insurance Agent
  1308 Wendover Ave E – Greensboro, NC 27405 – (336) 379-1040 – View Map

More insurance agents

Independent Insurance Agents

Agents that elect to be independent are appointed with more than one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your policy is moved internally and you won’t have to switch agencies. When comparing rate quotes, it’s a good idea to compare quotes from several independent insurance agents to have the best price comparison. Most also have access to less well-known companies that can offer cheaper rates than bigger companies.

Listed below are Greensboro independent agencies willing to provide price quotes.

• Fleszar Insurance Agency
  218 S Swing Rd #1 – Greensboro, NC 27409 – (336) 553-2780 – View Map
• Barnett-Smith Insurance
  218 N Eugene St – Greensboro, NC 27401 – (336) 272-4554 – View Map
• Godwin Insurance Agency
  905 Battleground Ave – Greensboro, NC 27408 – (336) 379-8640 – View Map

More insurance agents

If you feel you receive acceptable answers to any questions you may have and a good coverage price, you may have found an insurance agent that meets the criteria to properly service your insurance policy. But keep in mind once you purchase a policy you can terminate your policy whenever you want so don’t assume that you’re stuck with any specific agency for the entire policy term.