Car Insurance Rate Quotes for a Chevy HHR in Atlanta

Are you looking for lower-priced Chevy HHR insurance in Atlanta? Finding affordable Atlanta Chevy HHR insurance quotes can seem to be challenging for consumers that are relatively new to buying insurance on the web. With so many companies competing online, how can anyone even start to compare each option to find cheaper insurance prices?

Unfortunately, almost 70% of drivers in Georgia kept their policy with the same company for at least the last four years, and practically 40% of insurance customers have never even compared rates from other companies. U.S. drivers can save roughly 47% each year, but they don’t want to spend time to find affordable rates by getting comparison quotes.

You should make it a habit to take a look at other company’s rates occasionally because insurance rates go up and down regularly. Despite the fact that you may have had the best premium rates on Chevy HHR insurance in Atlanta a few years ago other companies may now be cheaper. There are a lot of ways to save on HHR insurance on the web, but in this article, you’re going to get some tested techniques to save money.

If you are insured now, you will definitely be able to save money using the ideas presented in this article. This information will familiarize you with the most effective ways to compare rates and also save some money in the process Although Georgia vehicle owners must know how big insurance companies determine how much to charge because it varies considerably.

Discounts can help save money on Chevy HHR insurance in Atlanta

Some insurers do not list every available discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts you could be receiving when you buy Atlanta auto insurance online.

• Accident Free – Atlanta drivers who stay claim-free pay less when compared with drivers who are more careless.
• Life Insurance Discount – Larger insurance companies have a break if you buy auto and life insurance together.
• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
• Driver Education Discount – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
• Discount for Swiching Early – Some larger companies reward drivers for switching to them prior to the expiration date on your current HHR insurance policy. The savings is around 10%.
• Discounts for Government Workers – Active or former government employment could provide a small rate reduction with a few insurance companies.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount when shopping for insurance.
• Sign Online – Many insurance companies will discount your bill up to fifty bucks shop Atlanta auto insurance digitally online.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular insurance companies and a summarized list of policyholder discounts can be found below.

• Mercury Insurance may include discounts for professional/association, low natural disaster claims, good student, annual mileage, good driver, and multi-policy.
• Farmers Insurance discounts include electronic funds transfer, pay in full, good student, teen driver, alternative fuel, mature driver, and homeowner.
• Farm Bureau may have discounts that include multi-vehicle, renewal discount, 55 and retired, driver training, multi-policy, youthful driver, and good student.
• State Farm has discounts for accident-free, student away at school, multiple autos, anti-theft, and passive restraint.
• Allstate policyholders can earn discounts including defensive driver, premier discount, EZ pay plan discount, auto/life discount, good payer, safe driver, and economy car.
• GEICO includes discounts for defensive driver, daytime running lights, multi-policy, anti-lock brakes, and five-year accident-free.

If you want affordable Chevrolet HHR insurance quotes, ask all companies you are considering the best way to save money. Some discounts listed above may not apply in Atlanta. To view providers who offer discounts in Georgia, click this link.

When comparison shopping, there are several ways to compare quotes from different companies. The best way to do a complete rate comparison involves getting comparison quotes online.

When quoting car insurance, remember that comparing more rates from different companies helps improve the odds of finding the best offered rates. Some companies don’t provide price estimates online, so you also need to get quotes on coverage from those companies, too.

The following companies are ready to provide quotes in Atlanta, GA. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in garaging location in Atlanta which can revise insurance rates considerably.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The rates shown below show how much more rates are of buying low and high physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Atlanta location which can affect rates considerably.

Based on these figures, using a $250 deductible could cost the average driver approximately $31 more each month or $372 each year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 24 months between claims, you would most likely save money if you choose the higher deductible.

You are unique and your insurance should be too

When quoting and comparing insurance from an agent or online for your personal vehicles, there really is not a cookie cutter policy. Your needs are unique to you.

For example, these questions can help discover whether or not you would benefit from professional advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered if I hit someone who is not insured?
• What if I owe more than I can insure my car for?
• How much liability insurance is required?
• How does medical payments coverage work?
• What is an SR-22 filing?
• What companies insure drivers after a DUI or DWI?
• How much coverage applies to personal belongings?
• How can I get the company to pay a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Exclusive and independent insurance agencies

Many drivers still like to get professional advice from a licensed agent and we recommend doing that A nice benefit of comparing rates online is you may find cheap auto insurance rates and still buy from a local agent. Buying from and supporting neighborhood agents is important especially in Atlanta.

After completing this form (opens in new window), the coverage information is instantly submitted to insurance agents in Atlanta that provide free Atlanta auto insurance quotes for your auto insurance coverage. It makes it easy because there is no need to do any legwork as quotes are delivered to the email address you provide. You can find the lowest rates and work with a local agent. In the event you want to quote rates from a specific auto insurance provider, you just need to find their quoting web page to submit a rate quote request.

What types of car insurance agents are in Atlanta?

If you want to buy auto insurance from a good Atlanta insurance agent, there are a couple of different agency structures to choose from. Agents are either independent agents or exclusive agents depending on their employer.

Independent Agents

Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. If they quote lower rates, they simply move your policy to a different company and you stay with the same agent. When comparing auto insurance rates, we highly recommend that you contact multiple independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with companies you’ve never heard of that may have much lower rates than larger companies.

The following is a short list of independent agents in Atlanta who may be able to give you comparison quotes.

• Cascade Heights Insurance Agency
  833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
• Gibb Insurance Agency
  991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
• Discount Auto Insurance Agency Inc
  1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map

View more Atlanta agents

Exclusive Agencies

Exclusive agencies can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare rates from other companies so keep that in mind. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to purchase coverage from exclusives primarily because of the prominence of the brand and the convenience of having all coverages with one company.

Listed below is a list of exclusive agents in Atlanta that are able to give rate quotes.

• Cleo Meyer – State Farm Insurance Agent
  1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 – View Map
• Danny Gibson State Farm Insurance Agent
  215 Piedmont Ave NE #1 – Atlanta, GA 30308 – (404) 524-2292 – View Map
• Quentin Franklin – State Farm Insurance Agent
  587 Virginia Ave NE Unit 3A – Atlanta, GA 30306 – (404) 575-4147 – View Map

View more Atlanta agents

Finding the right auto insurance agent needs to be determined by more than just a cheap quote. These are some valid questions you should ask.

• Is vehicle mileage a factor when determining depreciation for repairs?
• Is the agent and/or agency licensed to do business in Georgia?
• Do you need full coverage on every vehicle?
• What company holds the largest book of business for them?
• Will a damage claim use OEM or aftermarket replacement parts?
• Is every driver in your family covered?

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This coverage pays for damage to your HHR caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your HHR to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like prosthetic devices, surgery and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy HHR.

Due to the fact that many Georgia drivers carry very low liability coverage limits (Georgia limits are 25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Coverage for liability – This coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, pain and suffering and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford. Georgia requires drivers to carry at least 25/50/25 but you should think about purchasing more liability than the minimum.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a deer, fire damage and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Shop around and save

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

Insureds who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, policy cancellation or delays in responding to claim requests. Regardless of your reason, finding a great new company is easier than you think.

We covered many ideas to shop for Chevy HHR insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Atlanta auto insurance quotes. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

To read more, link through to the articles below:

• Top Signs Your Brakes are Giving Out (State Farm)
• How Much is Atlanta Auto Insurance for College Graduates? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)