How Much Does 2008 Chevrolet HHR Car Insurance Cost?

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Consumers have many insurance companies to buy insurance from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

Finding the best rates is quite easy. Basically, anyone who is shopping for insurance will more than likely be able to cut their insurance bill. Nevertheless, car owners do need to learn the way companies sell online and use this information to your advantage.

How to Lower Your Auto Insurance Cost

Performing a rate comparison can take hours if you don’t understand the most efficient way. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

Many popular insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company can provide price quotes based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to pricing coverage this way is you are unable to specify which providers you want to price. If you would rather choose specific insurance companies to compare prices, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare the exact same quote information for every quote you compare. If the quotes have differing limits you will not be able to find the best deal for your Chevy HHR. Just a small difference in coverages may result in a large different in cost. And when quoting auto insurance, remember that comparing a large number of companies will increase your chances of finding a lower rate.

Cut your premium with discounts

Auto insurance companies don’t always list every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on insurance coverage.

  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on HHR coverage.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on HHR coverage than their less cautious counterparts.
  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Claim Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Multiple Cars – Having all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • Where can I get insurance after a DUI in my state?
  • Do I have newly-aquired coverage?
  • Am I covered if I wreck a rental car?
  • Is my state a no-fault state?
  • Are rock chip repairs covered?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Is my 2008 Chevy HHR covered for smoke damage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Chevy HHR insurance rates have many determining factors

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance coverage rates. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

  • You might want pay the small claims yourself – Companies give better rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for the large, substantial claims.
  • More people means more accidents – Being located in less populated areas has it’s advantages when insuring your vehicles. Lower population translates into fewer accidents. Drivers who live in large cities regularly have congested traffic and longer commute times. Higher commute times translates into higher accident risk.
  • Never let your coverage lapse – Having an insurance coverage lapse is a quick way to bump up your insurance coverage costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more expense you’re willing to pay, the less your company will charge you for insurance on HHR coverage.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates than bad drivers. Even a single ticket may increase your cost by twenty percent. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Having a spouse can save you money – Having a wife or husband can actually save you money on insurance coverage. Marriage means you’re more mature and responsible and it’s proven that being married results in fewer claims.

Save $435 a year. For real?

Allstate, Geico and Progressive consistently run ads in print and on television. All the companies make an identical promise that you can save if you change your policy. How can each company make almost identical claims?

All companies have a certain “appetite” for the type of driver that earns them a profit. An example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who don’t measure up to these standards will be charged higher premiums and ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much money. That’s why companies can state the savings. That is why it is so important to quote coverage with many companies. It’s impossible to know which insurance coverage company will fit your personal profile best.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Collision protection

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 coverage pays for claims such as hitting a mailbox, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hail damage, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage pay for bills for hospital visits, ambulance fees, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability

This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees, emergency aid, legal defense fees and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2008 Chevy HHR.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Saving money makes a lot of cents

Affordable 2008 Chevy HHR insurance can be purchased online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned quite a bit of information on how to save on insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest priced car insurance comes from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

More detailed car insurance information is available in the articles below: