View 2009 Chevrolet HHR Insurance Rates

Have you had enough of robbing Peter to pay Paul to buy car insurance? Your situation is no different than many other drivers.

Popular companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ads and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

You need to do rate comparisons at least once a year since insurance rates are constantly changing. Just because you found the best deal on HHR coverage two years ago you may be paying too much now. There is a lot of bad advice regarding insurance online but we’re going to give you some proven techniques to find cheap insurance.

Some factors that can determine what Chevy HHR insurance costs

An important part of buying insurance is that you know some of the elements that help determine the price you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that can help you get big savings.

  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as lawyers, business owners and financial analysts have higher average rates in part from job stress and long work days. Conversely, occupations such as farmers, engineers and homemakers get better rates on HHR coverage.
  • Clean credit earns discounts – A driver’s credit history is a large factor in determining your rates. So if your credit is not that good, you could potentially save money when insuring your 2009 Chevrolet HHR by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Protect your assets with liability insurance – Liability insurance is the protection when you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Lower miles equals lower premium – The more you drive in a year the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your HHR may be wasting your money. Verify your insurance coverage policy properly reflects the correct driver usage.

Don’t miss out on these money-saving discounts

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Low Mileage – Fewer annual miles on your Chevy could qualify for lower rates on the low mileage vehicles.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when buying car insurance on HHR coverage.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

For a list of providers who offer car insurance discounts, follow this link.

Do I need special coverages?

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • Can I get a multi-policy discount?
  • Does liability extend to a camper or trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • If my pet gets injured in an accident are they covered?
  • What if I total my 2009 Chevy HHR and owe more than it’s worth?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance policy specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Coverage for medical payments

Med pay and PIP coverage pay for bills like chiropractic care, hospital visits, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, falling objects and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your HHR resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, driving through your garage door, sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for liability

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for 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. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2009 Chevy HHR.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

One last thing about your coverage

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There have been many situations where drivers have reduced full coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

You just read some good ideas how to lower your 2009 Chevy HHR insurance rates. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the smaller companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

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