How Much Does 2010 Chevrolet HHR Insurance Cost?

Searching for cheaper auto insurance rates? Consumers have many options when looking for affordable Chevy HHR insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to shop for auto insurance so you’re going to learn the best way to quote coverages on a Chevy and obtain the cheapest rates from both online companies and local agents.

If you are insured now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. The purpose of this article is to teach you how car insurance quotes work and some tricks to saving. Vehicle owners only need an understanding of the proper methods to shop online.

Chevy HHR insurance rates consist of many parts

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Understanding what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the factors car insurance companies consider when setting rates.

  • Choose a safe vehicle and save – Safer cars get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the Chevy HHR has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Older drivers save more – Young drivers are known to get distracted easily behind the wheel so they pay higher car insurance rates. Adding a teenage driver to your policy can break the bank. Older drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Do you work long hours in a high stress job? – Occupations such as doctors, executives and stock brokers are shown to have the highest rates because of stressful work requirements and lots of time spent at work. On the other hand, occupations such as pilots, students and retirees pay the least on HHR coverage.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Tickets mean higher rates – Your driving citation history has a big impact on rates. Just one citation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Lower miles equals lower premium – Driving more miles every year the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your car insurance coverage shows the proper vehicle usage. Incorrect usage on your HHR can result in significantly higher rates.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so get rid of them and save.

Verify you’re getting all your discounts

Auto insurance companies don’t list all their discounts very well, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on auto insurance on HHR coverage.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • No Claims – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.

It’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of providers who offer auto insurance discounts, click here.

Car insurance myths debunked

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. They all seem to make an identical promise of big savings after switching to their company.

How does each company make almost identical claims? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that makes them money. An example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Potential insureds who fall outside the “perfect” profile will have to pay higher rates and this can result in business going elsewhere. The ads say “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

When should I talk to an agent?

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Will filing a claim cost me more?
  • Am I covered when driving on a suspended license?
  • Am I covered if I break a side mirror?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Chevy HHR

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, emergency aid, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage will pay to fix damage to your HHR from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like doctor visits, rehabilitation expenses, ambulance fees, funeral costs and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2010 Chevy HHR.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, falling objects and theft. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Find Good Coverage for Less

Drivers leave their current company for many reasons like questionable increases in premium, lack of trust in their agent, an unsatisfactory settlement offer and policy cancellation. Regardless of your reason for switching companies, choosing a new company is easier than you think.

In this article, we covered some good ideas how to shop for 2010 Chevy HHR insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small mutual company.

As you shop your coverage around, do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links: