How Much Does 2008 Chevrolet HHR Insurance Cost?

Trying to find better insurance prices for your Chevy HHR could be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to get price quotes on a Chevy and find the lowest possible price.

How to find the cheapest car insurance

Getting a cheaper price on 2008 Chevy HHR insurance is pretty simple and can save money. Consumers just need to take time comparing price quotes to find. It is quite easy and can be accomplished by using one of the methods below.

The simplest way to find low rates is a comparison rater form click to view form in new window. This form prevents you from having to do separate quote forms for every car insurance company. Just one form gets rate comparisons instantly. It’s the fastest way to compare.

A less efficient way to compare rate quotes requires you to visit the website for every company you want to comare and request a quote. For example, we’ll assume you want to get rates from Auto-Owners, State Farm and GMAC. To find out each rate you need to spend time going to each site individually and punch in your information repeatedly, which is why first method is reommended. For a list of companies in your area, click here.

However you get your quotes, be sure to compare the exact same coverage information for every quote you compare. If you are comparing differing limits it will be next to impossible to determine which company has the best rates.

Cheap insurance coverage rates with discounts

Insurance can be prohibitively expensive, but there could be available discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied prior to receiving the credit.

• Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Life Insurance – Not all companies offer life insurance, but some may give you lower prices if you buy some life insurance too.
• Passenger Safety Discount – Factory options such as air bags may get savings as much as 30%.
• Low Mileage Discounts – Keeping the miles down on your Chevy could earn cheaper premium rates.
• Savings for New Vehicles – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
• Active Military Service – Being on active duty in the military could be rewarded with lower premium rates.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount should help lower the cost of your policy.

To see a list of insurance companies that can offer you the previously mentioned discounts, click here.

How your HHR insurance prices are determined

When buying car insurance it’s important to understand some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower premium levels. Lots of factors are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are more obscure like your continuous coverage or your vehicle rating.

• Single drivers may get higher rates – Walking down the aisle helps lower the price compared to being single. It translates into being more stable financially and statistics show drivers who are married file infrequent claims.
• Only buy incidental coverages you need – There are a ton of add-on coverages that can waste your money if you don’t pay attention. Coverages for rental car coverage, accident forgiveness, and Farm Bureau memberships may be wasting your money. These coverages may sound good at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Discounts for multiple policies – Most car insurance companies will give a discount for people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to get quotes from other companies to help ensure you have the lowest rates. Consumers may find lower rates even if you insure with multiple companies
• Liability coverage limits should be high – Your policy’s liability coverage will afford coverage if you are found to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense coverage starting from day one. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

• How high should my medical payments coverage be?
• Will my insurance pay for OEM parts?
• Do I need an umbrella policy?
• Should I rate my 2008 Chevy HHR as pleasure use or commute?
• Will my rates increase for filing one claim?
• Do all my vehicles need collision coverage?
• Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers get pounded daily by advertisements for cheaper insurance from companies such as State Farm, Geico and Progressive. All the companies advertise the message that you can save if you get a free insurance quote and switch your policy.

That’s great but how can every company say the same thing? You have to listen carefully.

Most companies have specific characteristics for the type of insured that earns them a profit. An example of this type of risk profile might be a mature driver, is a homeowner, and drives a car with an anti-theft system. Anybody who fits those characteristics gets the lowest rates and will cut their rates if they switch.

Potential insureds who are not a match for those standards will see a more expensive rate which leads to business going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great premium rates.

This emphasizes why drivers should get insurance quotes as often as possible. Because you never know which company will be your best fit.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, a broken windshield, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, structural damage, bail bonds, medical services and loss of income. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses like ambulance fees, doctor visits, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Be a penny pincher

You just read quite a bit of information on how to reduce 2008 Chevy HHR insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap insurance. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising.

Affordable 2008 Chevy HHR insurance is definitely available online in addition to many insurance agents, so you need to shop insurance with both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies only sell through independent insurance agents.

As you quote insurance, you should never buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Much more information about insurance can be read at these links:

• Learn About Car Insurance (Geico)
• Car Insurance FAQ (Trusted Choice)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Vehicle Safety Ratings (iihs.org)