Cheap 2008 Chevrolet HHR Car Insurance Quotes

Nobody I know likes having to buy insurance, especially knowing the price is too high.

Since consumers have many options, it can be diffult for consumers to locate the most cost effective insurer.

Consumers should take time to do rate comparisons occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the best deal on HHR insurance two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the best way to eliminate unnecessary coverages and save money.

Compare the Market for Auto Insurance

To find the best auto insurance prices, there are several ways to get quotes from different insurance companies. One of the best ways to find the lowest 2008 Chevy HHR rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

  1. The most efficient way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms to each individual auto insurance company. One form will get you rate comparisons from multiple companies.
  2. A slightly less efficient method to shop for auto insurance online is to manually visit each company’s website and complete a new quote form. For example, we’ll pretend you want comparison quotes from Auto-Owners, Farmers and Geico. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The hardest method to compare rates is driving around to local insurance agencies. The internet has reduced the need for local agents unless you want the personal advice of a local agent. However, consumers can find lower rates online and get advice from an agent in your area. We’ll cover that shortly.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages and limits on every quote you get. If you have different liability limits you will not be able to determine which rate is truly the best. Just a small difference in limits can result in a big premium difference. And when price shopping your coverage, quoting more will increase your chances of finding a lower rate.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you purchase, but some must be asked about before being credited.

  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on HHR insurance than drivers with accidents.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up digitally online.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Distant Student – Children who live away from home and don’t have a car may be able to be covered for less.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because owning a home shows financial diligence.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. But all discounts will reduce the amount you have to pay.

A partial list of companies that may offer these discounts include:

Double check with each insurance company what discounts are available to you. Some discounts may not be available in your area.

Factors that can influence insurance rates for a Chevy HHR

Consumers need to have an understanding of the factors that play a part in calculating insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Shown below are some of the items that factor into prices.

  • Being married can save on insurance – Getting married can actually save you money when buying insurance. Having a significant other means you’re more mature and responsible and statistics show married drivers get in fewer accidents.
  • More than one policy can earn a discount – Most insurance companies will award you with lower prices to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Do you know you’re credit rating? – Your credit score is a big factor in determining your rates. If your credit score is lower than you’d like, you could save money insuring your 2008 Chevrolet HHR by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance companies give better rates to drivers who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
  • Cautious drivers pay less – Good drivers receive lower rates than people who have multiple driving citations. Even a single speeding ticket can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Does my 2008 Chevy HHR need full coverage?
  • What can I do if my company denied a claim?
  • Do I benefit by insuring my home with the same company?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I buy additional glass protection?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Slick advertising tricks that work

Auto insurance providers like State Farm and Allstate consistently run ads on television and other media. They all say the same thing about savings if you change your coverage to them. But how can every company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the driver they prefer to insure. A good example of a preferred risk might be over the age of 40, owns a home, and chooses high deductibles. A propective insured who fits that profile will get very good rates and therefore will cut their rates substantially.

Consumers who don’t qualify for these standards will be quoted a more expensive rate and this can result in business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That is how companies can advertise the way they do.

This emphasizes why it’s extremely important to get as many comparisons as possible. Because you never know the company that will give you the biggest savings on Chevy HHR insurance.

Car insurance coverages for a 2008 Chevy HHR

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses like EMT expenses, chiropractic care, doctor visits and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage covers damage to your HHR resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage – This coverage can cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for 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 that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, medical expenses and structural damage. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, damage from flooding and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be Smart and Buy Smart

Cheap 2008 Chevy HHR insurance is attainable both online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate.

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