Searching for lower insurance coverage rates for your Chevrolet HHR? Feel like you’re a prisoner to high-priced insurance coverage? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.
Smart consumers take time to compare rates every six months because insurance rates change quite often. If you had the lowest price on HHR coverage on your last policy other companies may now be cheaper. Don’t believe everything you read about insurance coverage on the internet, so with this article, you’re going to get the best ways to slash your insurance coverage rates.
Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known insurance coverage savings. If you aren’t receiving every discount possible, you are paying more than you should be.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.
A partial list of companies that may offer some of the above discounts include:
Double check with each company which discounts you may be entitled to. All car insurance discounts might not apply in every state.
An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.
Shown below are some of the factors used by your company to calculate your rates.
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. They all make the same claim that you’ll save big if you change your policy.
How does each company make the same claim? It’s all in the numbers.
All companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and chooses high deductibles. A driver who fits that profile will get the preferred rates and most likely will save a lot of money.
Potential customers who don’t meet this ideal profile will be charged higher prices which usually ends up with the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently claim big savings. That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which auto insurance company will have the lowest Chevy HHR insurance rates.
Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.
Collision – Collision coverage will pay to fix damage to your HHR caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for ambulance fees, prosthetic devices, pain medications, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Liability auto insurance – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover 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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability coverage protects against claims like attorney fees, medical services, pain and suffering, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
Cost effective 2006 Chevy HHR insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
Additional detailed information can be found in these articles: