2009 Chevrolet HHR Insurance Cost

Trying to find the cheapest insurance coverage rates for your Chevrolet HHR? Searching for the cheapest insurance for a Chevy HHR can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the best way to price shop coverage for a new or used Chevy and obtain the best price possible.

You should take the time to shop coverage around quite often because prices go up and down regularly. Even if you think you had the best rates on HHR coverage two years ago a different company probably has better rates today. There is too much inaccurate information about insurance coverage online, so with this article, you’re going to get some excellent ideas to quit paying high insurance coverage rates.

Buying more affordable protection is not that difficult. If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums and still get good coverage. Vehicle owners just need to understand the proper methods to shop their coverage around online.

The method we recommend to compare policy rates is to know the trick car insurance companies allow for online access to compare their rates. The one thing you need to do is provide the companies a bit of rating information such as whether you drive to work or school, driver ages, whether you have decent credit, and if the vehicle is leased. That rating information is automatically sent to many of the top insurers and they respond with quotes within a short period of time.

To start a rate quote now, click here and enter your zip code.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Geico and Progressive. They all have a common claim of big savings if you move your coverage to them.

How can each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver that earns them a profit. A good example of a preferred risk could possibly be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who don’t meet this ideal profile will be quoted higher premiums and this can result in business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can make those claims.

This emphasizes why you should get a wide range of price quotes. Because you never know which insurance coverage company will give you the biggest savings on Chevy HHR insurance.

Save money by taking advantage of these discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at quote time, but some may not be applied and must be inquired about before you will receive the discount. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurance companies with the best insurance coverage discounts, click this link.

When should I use an insurance agent?

When choosing coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if you would benefit from professional advice.

  • Should I buy only the required minimum liability coverage?
  • How can I force my company to pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need added coverage for expensive stereo equipment?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is pleasure use cheaper than using my 2009 Chevy HHR to commute?
  • Is motorclub coverage worth it?
  • Is my teen driver covered when they drive my company car?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an 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 can help protect your family.

Detailed coverages of your insurance policy

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

This coverage will pay to fix damage to your HHR caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, falling objects, hail damage and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, bail bonds, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills like chiropractic care, rehabilitation expenses, X-ray expenses, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy HHR.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

In Summary

In this article, we presented many ideas to save on 2009 Chevy HHR insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with the least-expected company.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Budget-conscious insurance is possible from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.

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