View 2006 Chevrolet HHR Car Insurance Quotes

Trying to find better insurance rates for your Chevrolet HHR? Searching for better insurance prices for a Chevy HHR could be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to buy insurance so we’re going to tell you the best way to get price quotes for a Chevy and get the cheapest rates from both online companies and local agents.

Finding affordable coverage is not rocket science. If you are insured now or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Consumers just need to learn the best way to get comparison quotes over the internet.

Parts of the Chevy HHR rate equation

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Your age impacts your rates – Teen drivers are known to get distracted easily when behind the wheel so they pay higher insurance coverage rates. Older insureds are more responsible, file fewer claims and get fewer tickets.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage when a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • More claims means more premium – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies generally give discounts to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • How’s your driving record? – Only having one citation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.

Compare Car Insurance Today

Effectively comparing car insurance prices can be exhausting if you don’t understand the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program that allows shoppers to submit one quote, and each company returns a rated price. This saves time by eliminating form submissions to every company.

To participate in this free quote system, click to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which carriers you will receive quotes from. So if you want to select individual companies for rate comparison, we put together a list of car insurance companies in your area. Click to view list.

Whichever way you use, double check that you are using apples-to-apples coverages and limits for each price quote. If you are comparing different values for each quote it will be very difficult to truly determine the lowest rate.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance by companies like Progressive, Allstate and Geico. All the ads have a common claim that you’ll save big if you switch to them.

How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk could possibly be over the age of 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters will get the preferred rates and most likely will save quite a bit of money when switching.

Drivers who fall outside the requirements will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save money. That’s the way companies can truthfully make the claims of big savings. This emphasizes why it is so important to compare many company’s rates. You cannot predict which company will provide you with the cheapest Chevy HHR insurance rates.

Discounts can save BIG

Companies offering auto insurance don’t necessarily list every available discount very well, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • No Accidents – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for HHR coverage with a few insurance coverage companies.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for HHR coverage than drivers with accidents.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Defensive Driver – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy for HHR coverage.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out if you would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • When can my company non-renew my policy?
  • If my 2006 Chevy HHR is totaled, can I afford another vehicle?
  • Is business property covered if stolen from my car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I put collision coverage on all my vehicles?
  • What is UM/UIM insurance?
  • Does coverage extend to my business vehicle?
  • When would I need rental car insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

This pays for damage to your HHR from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverage

This protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy HHR.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, rock chips in glass, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like ambulance fees, prosthetic devices, rehabilitation expenses, funeral costs and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Have the Midas touch

We just presented many tips how you can reduce 2006 Chevy HHR insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier.

Cost effective insurance can be found both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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