2008 Chevrolet HHR Insurance Quotes – 8 Savings Tips

Looking for the cheapest car insurance rates for your Chevrolet HHR? Finding the cheapest insurance for a new or used Chevy HHR can be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for car insurance and we’ll show you the proper way to price shop coverage for a new or used Chevy and locate the lowest price from local insurance agents and online providers.

Consumers need to price shop coverage every six months since rates fluctuate regularly. Even if you got the best rates for HHR coverage two years ago you may be paying too much now. You can find a lot of wrong information about car insurance online but we’re going to give you some tested techniques to put money back in your pocket.

Pricing affordable coverage is simple if you know the tricks. If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Drivers only need an understanding of the proper way to compare company rates online.

Get lower rates on Chevy HHR insurance

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but some must be specially asked for in order for you to get them. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Claim Free – Drivers with accident-free driving histories pay less compared to bad drivers.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

To see a list of companies who offer insurance coverage discounts, follow this link.

Compare Insurance Coverage Costs

Most major insurance companies allow you to get price estimates directly from their websites. The process is quite simple as you just type in the amount of coverage you want into a form. Behind the scenes, the system obtains your credit score and driving record and returns pricing information.

Being able to quote online makes comparing rates easy, but the time required to go to multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you are searching for lower prices.

Rate comparisons made easy

A quicker way to compare insurance coverage pricing utilizes a single form to return rates from multiple companies. It’s a real time-saver, reduces the work, and makes price shopping online a lot less work. After your information is entered, your coverage is rated and you are able to buy any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and can result in significant savings.

To use this form to compare rates, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you duplicate the coverages as shown on your current policy. Doing this guarantees you are getting comparison quotes based on similar coverages.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • What can I do if my company denied a claim?
  • Do I need replacement cost coverage?
  • Does car insurance cover theft of personal property?
  • How much liability coverage do I need in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my 2008 Chevy HHR need full coverage?
  • Do I have newly-aquired coverage?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles, bail bonds and pain and suffering. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like ambulance fees, dental work, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage covers damage to your HHR caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, backing into a parked car, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, vandalism, damage from a tornado or hurricane, hitting a bird and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Do the work, save more money

Consumers leave their current company for many reasons like questionable increases in premium, lack of trust in their agent, denial of a claim or delays in paying claims. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

We’ve covered some good ideas how you can save on 2008 Chevy HHR insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price.

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