2009 Chevrolet HHR Insurance Quotes

Trying to find better insurance coverage rates for your Chevrolet HHR? Shopping for the cheapest insurance coverage online can seem to be impossible for consumers new to buying insurance on the web. With so many choices of companies in the marketplace, how can drivers even start to compare every one to find the cheapest available price?

Consumers need to take a look at other company’s rates every six months because insurance rates fluctuate regularly. Even if you think you had the best deal on HHR insurance a few years ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

These discounts can lower your rates

Companies do not list all available discounts very clearly, so we took the time to find both the well known and also the lesser-known insurance savings.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on HHR insurance with select insurance companies.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Paperwork-free – Certain companies give back up to $50 simply for signing on their website.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Some discounts may not be available in every state.

Vehicle Insurance Comparison

Effectively comparing auto insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You could waste time driving to insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

Most car insurance companies take part in a program where insurance shoppers submit their information once, and each company returns a competitive quote. This saves time by eliminating quotation requests to every company. To find out how much you can save on auto insurance click here to start a free quote.

The one downside to comparing rates this way is you cannot specify the insurers you want to price. So if you want to choose from a list of companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing the exact same coverage limits and deductibles with every price quote. If each company quotes higher or lower deductibles then you won’t be able to find the best deal for your Chevy HHR. Quoting even small variations in coverages may result in a large different in cost. And when quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best rates.

Your Chevy HHR insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.

  • Having a spouse can save you money – Being married can get you a discount when buying auto insurance. Having a spouse is viewed as being more mature it has been statistically shown that married couples file fewer claims.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Men and women have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Multiple policies with one company can save – Some insurers provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you if you are found liable for personal injury or accident damage. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Higher safety ratings means cheaper insurance – Safer cars get lower rates. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you. If the Chevy HHR scored better than four stars on Safercar.gov you are probably receiving a discount.
  • How credit affects auto insurance rates – Having a bad credit rating is a large factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 2009 Chevrolet HHR by spending a little time repairing your credit.
  • Too many auto insurance claims drive up costs – Insurance companies give better rates to drivers who are claim-free. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Always keep insurance in force – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Different people need different coverages

When buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I buy a commercial auto policy?
  • Is my trailer covered?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I drive in a foreign country?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage basics

Knowing the specifics of auto insurance can help you determine the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for nursing services, ambulance fees, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – Liability insurance can cover damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has 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 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, loss of income, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – 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 things like hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Get your money’s worth

We’ve covered many ways to compare 2009 Chevy HHR insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest premiums are with some of the lesser-known companies.

As you shop your coverage around, do not buy less coverage just to save a little money. In many instances, consumers will sacrifice full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Low-cost insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

More tips and info about insurance coverage can be read at these sites: