How Much Does 2007 Chevrolet HHR Insurance Cost?

Finding better insurance prices for a new or used Chevy HHR can be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to buy insurance coverage and we’ll show you the quickest way to get price quotes on a Chevy and locate the cheapest rates either online or from local insurance agents.

How to Lower Your Auto Insurance Cost

Getting a cheaper price on 2007 Chevy HHR insurance isn’t really that difficult. Drivers just need to spend a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quotation requests for every auto insurance company. Completing one form will get you price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to find lower rates requires a visit to the website for each individual company and complete a new quote form. For instance, we’ll assume you want to compare rates from GEICO, Progressive and State Farm. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The least efficient way of comparing rate quotes is to drive around to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online but buy from a local insurance agent and we’ll talk about that later.

Whichever way you use, make absolute certain that you use identical information with each company. If each company quotes mixed coverages then you won’t be able to determine the best price for your Chevy HHR.

Misconceptions in insurance coverage advertisements

Drivers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. They all seem to have a common claim that you can save if you change to them.

How can each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that makes them money. An example of a desirable insured could possibly be over the age of 50, has no tickets, and has great credit. A propective insured who matches those parameters receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t qualify for the “perfect” profile will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

That is why you need to get as many quotes as possible. It’s impossible to know which insurance coverage company will provide you with the cheapest Chevy HHR insurance rates.

Cut your insurance rates with discounts

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but some must be inquired about prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums for HHR coverage.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for HHR coverage than drivers with accidents.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Homeowners Discount – Being a homeowner can help you save on insurance because owning a home requires personal responsibility.
  • Bundle and Save – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To see a list of insurers who offer insurance discounts, click here to view.

You are unique and your auto insurance should be too

When buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Do I have newly-aquired coverage?
  • Am I covered if I break a side mirror?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why does it cost so much to insure a teen driver?
  • Does my personal policy cover me when driving out-of-state?
  • What is an SR-22 filing?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Coverage specifics

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance – This coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and 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 values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, funeral expenses, court costs and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, pain medications, nursing services, chiropractic care and surgery. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, falling objects, theft and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your HHR from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

In any little way, save everyday

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including delays in paying claims, poor customer service, high prices and even policy non-renewal. It doesn’t matter why you want to switch switching companies can be easier than you think.

We’ve covered many tips how you can lower your 2007 Chevy HHR insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

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