Unimaginable but true, nearly 70% of customers renewed their policy with the same company for at least four years, and 38% of drivers have never quoted car insurance rates at all. American consumers could save as much as $860 each year just by getting comparison quotes, but they just don’t want to shop around.
If saving money is your primary concern, then the best way to find cheaper prices for car insurance rates is to do a yearly price comparison from companies in New Orleans. Rates can be compared by following these guidelines.
Step 1: Gain an understanding of how companies price auto insurance and the things you can change to prevent high rates. Many things that drive up the price like high-risk driving behaviors and your credit history can be eliminated by paying attention to minor details.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can quote prices from multiple sources.
Step 3: Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find better rates, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company of your decision to cancel your current policy. Submit a signed application and payment to the new insurer. Once received, put the new proof of insurance certificate in your glove compartment.
A tip to remember is to try to use the same liability limits and deductibles on every quote and and to compare as many different insurance providers as possible. Doing this provides an accurate price comparison and a better comparison of the market.
Affordable companies for Chevy HHR insurance in Louisiana
The following companies are ready to provide comparison quotes in New Orleans, LA. To buy the best car insurance in New Orleans, we recommend you visit several of them to get the best price comparison.
Chevy HHR coverage statistics
The information below showcases detailed analysis of policy rates for Chevy HHR models. Learning as much as possible about how prices are figured can be of help when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HHR LS | $376 | $488 | $608 | $36 | $182 | $1,690 | $141 |
| HHR LT | $376 | $488 | $608 | $36 | $182 | $1,690 | $141 |
| HHR SS | $418 | $662 | $608 | $36 | $182 | $1,906 | $159 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in zip code location which can modify rates greatly.
Do you qualify for discounts on Chevy HHR insurance in New Orleans?
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you purchase, but a few need to be requested specifically before being credited. If they aren’t giving you every credit available, you could be saving more on your car insurance.
- Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower car insurance rates on the low mileage vehicles.
- Paperwork-free – Certain car insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a small decrease in premiums.
- Early Renewal Discounts – A few companies offer discounts for buying a new policy before your current coverage expires. The savings is around 10%.
- No Accidents – New Orleans drivers who stay claim-free pay much less when compared with drivers with a long claim history.
- Theft Deterrent Discount – Cars and trucks with anti-theft systems prevent vehicle theft and will save you 10% or more on HHR insurance in New Orleans.
- Discounts for Government Workers – Federal government employees could cut as much as 10% off with select insurance companies.
- Full Payment Discount – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
- ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, it’s just not the way it works.
The diagram below compares Chevy HHR car insurance costs with and without discounts applied. Data assumes a male driver, a clean driving record, no claims, Louisiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.
Some companies that have these benefits are:
Before purchasing a policy, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in New Orleans.
Buying from insurance agents
A lot of people still prefer to get professional advice from a licensed agent and often times that is recommended Licensed agents can help you build your policy and will help you if you have claims. A good thing about comparing rate quotes online is that you can obtain cheaper prices and also buy local. Putting coverage with local agencies is still important in New Orleans.
Once you complete this simple form, the quote information is submitted to companies in New Orleans who will give you quotes for your business. There is no need to leave your house as quotes are delivered immediately to your email address. If you need to get a comparison quote from a specific company, feel free to navigate to their website to submit a rate quote request.
When researching a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they can write your policy. Car insurance policy providers are considered either independent (non-exclusive) or exclusive. Both types can handle car insurance, but it’s good to learn the subtle differences because it can impact which type of agent you select.
Independent Agents (or Brokers)
Independent agents often have affiliation with several companies and that enables them to quote your coverage amongst many companies and find the cheapest rate. If your premiums go up, they can switch companies in-house and the insured can keep the same agent. When searching for an agent, you absolutely need to include at a minimum one independent agency to maximize your price options. Most have the option of insuring with small regional insurance companies that may have much lower rates than larger companies.
Shown below is a short list of independent agents in New Orleans who may provide free price quotes.
- Whitney Insurance Agency
650 Poydras St Suite 1500 – New Orleans, LA 70130 – (504) 581-5353 – View Map - Olympus Insurance Agency
101 W Robert E Lee Blvd #405 – New Orleans, LA 70124 – (504) 535-7755 – View Map - Garcia Insurance Services
3815 MacArthur Blvd – New Orleans, LA 70114 – (504) 875-4077 – View Map
Exclusive Car Insurance Agents
These agents work for only one company such as Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so keep that in mind. These agents receive extensive training on the products they sell and that can be a competitive advantage. Some people will only choose to use an exclusive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
The following are New Orleans exclusive agencies willing to provide rate quotes.
- Josh Lorando – State Farm Insurance Agent
4200 Canal St c – New Orleans, LA 70119 – (504) 488-0001 – View Map - Cas Fontenot State Farm®
3201 General De Gaulle Dr #103 – New Orleans, LA 70114 – (504) 366-8686 – View Map - State Farm – Mia DeLouise
5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
Finding the right auto insurance agent requires you to look at more than just a cheap price. The following questions are important to ask.
- Do they get paid more for recommending certain coverages?
- How long has their agency been open in New Orleans?
- Can you choose the body shop in case repairs are needed?
- Do they specialize in personal lines coverage in New Orleans?
- If your car is totaled, how to they determine the replacement cost?
- Will you get a loaner vehicle if you car is being repaired?
- What company holds the largest book of business for them?
New Orleans car insurance company ratings
Finding the top insurance company can be rather challenging considering how many different companies insure vehicles in New Orleans. The company information displayed below could help you pick which providers to look at buying from.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart consumers save more
We just covered many ideas to reduce Chevy HHR insurance rates online in New Orleans. The key concept to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers may even find the best rates are with a smaller regional carrier.
Cost effective Chevy HHR insurance is possible both online in addition to many New Orleans insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and usually these smaller providers only sell coverage through independent agents.
Drivers who switch companies do it for any number of reasons including denial of a claim, high prices, questionable increases in premium or even policy cancellation. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.
To read more, feel free to visit the articles below:
- Frontal Crash Tests (iihs.org)
- What Insurance is Cheapest for Welfare Recipients in New Orleans? (FAQ)
- How Much is New Orleans Car Insurance for Low Mileage Drivers? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in New Orleans? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Think You’re a Safe Driver? (State Farm)