Want to learn how to save money and find low-cost car insurance rates in Seattle, WA? Seattle buyers have options when searching for low-cost Chevy HHR insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Chevy and get the cheapest rates.
Auto insurance discounts help lower rates for Chevy HHR insurance in Seattle
Some insurers don’t necessarily list every discount available very clearly, so we took the time to find some of the best known and the more hidden savings tricks you should be using when you buy Seattle auto insurance online.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Progressive and Allstate will let one accident slide before your rates go up so long as you are claim-free before the accident.
- Anti-theft System – Cars and trucks that have factory anti-theft systems help deter theft and that can save you a little bit as well.
- Distant Student – Any of your kids who attend college more than 100 miles from Seattle and do not take a car to college could get you a discount.
- Military Discounts – Having a family member in the military may qualify for rate reductions.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance in addition to your auto policy.
As is typical with insurance, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.
Some of the insurance companies who may offer these benefits may include but are not limited to:
Before purchasing a policy, check with each company or agent which discounts you qualify for. All car insurance discounts might not be offered on policies in every state.
Getting low cost Chevy HHR car insurance pricing is an easy way to save money. Just take time comparing free Seattle auto insurance quotes from some recommended companies.
The auto insurance companies shown below offer quotes in Washington. If the list has multiple companies, we suggest you visit two to three different companies to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $200 | $350 | $384 | $22 | $114 | $1,070 | $89 |
| HHR LT | $274 | $518 | $384 | $22 | $114 | $1,312 | $109 |
| HHR SS | $182 | $356 | $282 | $16 | $84 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific location which can decrease or increase auto insurance rates significantly.
Annual premiums for males versus females
The example below shows the difference between Chevrolet HHR insurance rates for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Analysis of deductible levels
One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The data tables below sum up the differences in price of buying low and high comp and collision deductibles. The first pricing table uses a $100 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $286 | $458 | $294 | $18 | $88 | $1,169 | $97 |
| HHR LT | $286 | $458 | $294 | $18 | $88 | $1,169 | $97 |
| HHR SS | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| HHR LT | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| HHR SS | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in Seattle location which can modify auto insurance rates greatly.
Based on the above data, using a $100 deductible will cost you approximately $22 more each month or $264 each year than quoting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 18 months between claims, you would more than likely save some money if you opt for a higher deductible.
Your car insurance coverage should be tailored to you
When selecting coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out whether or not you may require specific advice.
- Is coverage enough to protect my assets?
- Am I covered if I wreck a rental car?
- Do I need rental car coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Does my Chevy HHR qualify for pleasure use?
- How long can I keep a teen driver on my policy?
- What if I total my Chevy HHR and owe more than it’s worth?
- Can my teen drive my company car?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Buying from auto insurance agents
Certain consumers prefer to get advice from a local agent and that is recommended in a lot of cases Agents can make sure you are properly covered and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get cheap insurance quotes and still buy from a local agent.
Upon completion of this form (opens in new window), your coverage information is sent to insurance agents in Seattle who will give competitive quotes for your coverage. There is no need to contact an agency as quotes are delivered straight to your inbox. If you wish to quote rates from a specific insurance company, you just need to navigate to their website and fill out the quote form the provide.
Finding the right company should include more criteria than just the premium amount. Any agent in Seattle should have no problem answering these questions:
- Do they reduce claim amounts on high mileage vehicles?
- Does the company use OEM repair parts?
- Is coverage determined by price?
- Will the quote change when the policy is issued?
- Are claims handled at the agent’s location?
- If they are an independent agency in Seattle, which companies do they recommend?
When researching a local insurance agency, you should know the types of insurance agents and how they work. Insurance agencies in Seattle can be classified as either exclusive agents or independent agents. Both sell affordable insurance policies, but it’s worth mentioning how they are different since it can affect your selection of an agent.
Exclusive Insurance Agents
These agents write business for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are trained well on their company’s products which helps offset the inability to provide other markets. A lot of people buy insurance from these agents primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a list of exclusive agencies in Seattle willing to provide price quotes.
- David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map - Sheila Burrus – State Farm Insurance Agent
1115 N Northgate Way – Seattle, WA 98133 – (206) 364-2210 – View Map - Alex Bagdasarov – State Farm Insurance Agent
4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 – View Map
Independent Insurance Agencies
Independent insurance agents are appointed with more than one company so they can write business amongst many companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house which is easy for the insured. When comparing rates, we recommend you include rate quotes from independent agents to get the best comparison. Many independent agencies also insure through smaller regional carriers that may have much lower rates than larger companies.
Below is a list of independent agents in Seattle willing to provide price quote information.
- Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map - Vern Fonk
10301 Aurora Ave N – Seattle, WA 98133 – (206) 408-5098 – View Map - C. Don Filer Agency
4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909 – View Map
How much can you save?
You just learned a lot of information how to find affordable Chevy HHR insurance in Seattle. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Chevrolet HHR insurance quotes. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.
Insureds leave their current company for any number of reasons including unfair underwriting practices, high prices, extreme rates for teen drivers or even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right car insurance provider can be easier than you think.
Affordable Chevy HHR insurance in Seattle can be bought online in addition to many Seattle insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not have online price quotes and usually these small, regional companies sell through independent agents.
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