2007 Chevrolet HHR Insurance Rates – 7 Tricks for Best Quotes

Sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers.

Popular companies such as State Farm, Geico and Farmers Insurance increase brand awareness with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you currently have car insurance, you should be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. But consumers benefit from understanding how big insurance companies sell online because it can help you find the best coverage.

How to Get Cheap Auto Insurance

To find the best auto insurance prices, there are several ways of comparing rates from local auto insurance companies. One of the best ways to find the cheapest 2007 Chevy HHR insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotes for each company. One form compares rates from all major companies.
  2. A harder way to obtain and compare quotes online consists of visiting each individual company website and complete a new quote form. For instance, we’ll pretend you want rates from Auto-Owners, Allstate and Geico. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way of getting rate comparisons is driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the personal advice that only a license agent can provide. You can, however, compare online quotes and still use a local agent and we’ll touch on that later.

Whichever way you use, make sure you use identical quote information for every quote you compare. If you are comparing different liability limits it will be next to impossible to make a fair comparison for your Chevy HHR. Quoting even small variations in coverage limits may cause a big price difference. Just remember that getting more free quotes gives you a better chance of getting a lower rate.

Discounts to lower 2007 Chevy HHR insurance rates

Auto insurance companies don’t always list every discount very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

  • 55 and Retired – Older drivers may be able to get a small decrease in premiums for HHR insurance.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Claim Free – Claim-free drivers pay much less as compared to frequent claim filers.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for HHR insurance with certain companies.
  • Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

Companies who might offer these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Should I buy only the required minimum liability coverage?
  • Do I need replacement cost coverage on my 2007 Chevy HHR?
  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Save $438 a year? Really?

Insurance companies such as State Farm, Allstate and Geico continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your policy. How do they all say the same thing?

All the different companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured could be over the age of 50, has no driving citations, and drives newer vehicles. Any driver who fits that profile will get the preferred rates and most likely will save a lot of money.

Potential customers who don’t qualify for the requirements must pay higher rates and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that much. This is how companies can truthfully state the savings. This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Insurance specifics

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, doctor visits and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

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

Comprehensive insurance covers things like damage from a tornado or hurricane, theft, a broken windshield, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they 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.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your HHR resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Pennies from heaven

We covered a lot of techniques to lower your 2007 Chevy HHR insurance rates. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even find the best price on car insurance is with a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

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