How Much Does 2010 Chevrolet HHR Insurance Cost?

Using the web to shop for car insurance can be complicated if you are a beginner to online quoting. But don’t be discouraged because using the internet to shop for car insurance is actually quite easy.

Consumers should take time to do rate comparisons periodically because insurance rates go up and down regularly. Despite the fact that you may have had the best price on HHR insurance a couple years back a different company probably has better rates today. So just ignore everything you know about car insurance because I’m going to teach you how to use the internet to lower your annual insurance bill.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Shopping for the lowest cost insurance coverage is simple if you know the tricks. But consumers need to learn how the larger insurance companies determine prices because it can help you find the best coverage.

Insurance Prices Online

There are several ways of comparing price quotes from local insurance companies. The easiest way to find competitive 2010 Chevy HHR insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

One of the simplest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form submissions for each company you want a rate for. Just one form will get you rate comparisons instantly. Just one form and you’re done.

A less efficient way to get comparison quotes is spending the time to visit the website for each individual company and complete a new quote form. For example, we’ll pretend you want to compare rates from Progressive, Liberty Mutual and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The least efficient method of comparing rate quotes is to drive around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance of a local agent. It is possible to find lower rates online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, be sure to compare apples-to-apples information with every price quote. If the quotes have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Chevy HHR. Quoting even small variations in coverage limits could mean much higher rates. It’s important to know that having more price comparisons will enable you to find the best offered rates.

Lots of discounts mean lots of savings

Companies don’t always publicize every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known auto insurance savings.

  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on your policy on HHR insurance.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on HHR insurance depending on your company.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Save over 55 – Older drivers may qualify for a discount up to 10% on HHR insurance.
  • Paperless Signup – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Car insurance companies that may offer these benefits include:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Situations that might require an agent

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover my expensive audio equipment?
  • Is business equipment covered while in my vehicle?
  • Is my 2010 Chevy HHR covered for flood damage?
  • Does coverage extend to a rental car in a foreign country?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a 2010 Chevy HHR

Understanding the coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, falling objects, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage covers damage to your HHR from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2010 Chevy HHR.

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 a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses like EMT expenses, chiropractic care, rehabilitation expenses, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – This coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, structural damage and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.