Compare 2011 Chevrolet HHR Insurance Quotes

Searching for the cheapest insurance rates? Consumers have many options when looking for low-cost Chevy HHR insurance. You can either waste hours calling around to compare prices or utilize the internet to find the lowest rates.

There is a better way to find insurance online so you’re going to learn the proper way to price shop coverage for your Chevy and obtain the cheapest rates from local insurance agents and online providers.

Smart consumers take time to take a look at other company’s rates at least once a year because prices change quite often. Just because you found the best rates for HHR insurance a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

The best way to compare rates is to understand auto insurance companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is provide information like how many miles driven, if you’re married, your credit rating estimate, and what your job is. Your rating data is instantly submitted to insurance companies and you should receive rate quotes immediately.

To compare rates now, click here and see if a lower rate is available.

Do you qualify for a discount?

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you purchase, but some must be requested specifically prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Paperwork-free – A few companies give back up to $50 simply for signing on their website.
  • Resident Student – Children who live away from home and don’t have a car can be insured at a reduced rate.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Defensive Driver – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

For a list of companies with the best auto insurance discounts, click this link.

What coverages do I need?

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

Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Is my 2011 Chevy HHR covered for smoke damage?
  • How do I insure my teen driver?
  • Is rental equipment covered for theft or damage?
  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 2011 Chevy HHR to commute?
  • I have a DUI can I still get coverage?
  • Who is covered by my policy?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Impacting insurance rates for a Chevy HHR

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. Knowing what determines base rates helps enable you to make changes that will entitle you to lower insurance coverage prices.

The list below includes a few of the “ingredients” that factor into prices.

  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your insurance coverage will be for HHR insurance.
  • High credit ratings translate to low rates – A driver’s credit history is a huge factor in determining your rates. If your credit history is not that good, you could pay less to insure your 2011 Chevrolet HHR by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Where do you drive? – The higher the mileage driven every year the higher your rates will be. The majority of insurers apply a rate based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your HHR may be costing you. Double check that your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • How many coverages with the same company – Most insurance coverage companies provide better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • With age comes lower rates – Youthful drivers tend to be less responsible behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a teenage driver to your insurance coverage policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Tickets mean higher rates – Good drivers receive lower rates than bad drivers. Even one citation can increase rates twenty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings by companies like Allstate, Geico and Progressive. All the companies say the same thing that you can save if you change to them.

How can each company claim to save you money?

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. For example, a profitable customer could be between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will be quoted a higher premium which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently advertise the savings.

This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will provide you with the cheapest Chevy HHR insurance rates.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for X-ray expenses, hospital visits, pain medications and surgery. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The maximum payout 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 consider removing comprehensive coverage.

Collision protection

This covers damage to your HHR from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, court costs, medical services and legal defense fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Quote more, save more

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Budget-conscious 2011 Chevy HHR insurance is definitely available both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Drivers switch companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, an unsatisfactory settlement offer and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new insurance coverage company can be less work than you think.

For more information, take a look at the resources below: