Save on 2011 Chevrolet HHR Insurance Rates

Looking for better auto insurance rates for your Chevrolet HHR? Searching for the lowest cost auto insurance on the internet can seem to be rather challenging for consumers not familiar with price shopping online. With a ridiculous number of insurers to choose from, how can drivers effectively compare them all to find the cheapest available price?

It’s a good habit to do rate comparisons yearly because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for HHR insurance a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise every discount very well, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • 55 and Retired – Mature drivers can possibly qualify for reduced rates for HHR insurance.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

To see a list of companies with the best insurance coverage discounts, click this link.

How to Compare Auto Insurance Quotes

All the larger auto insurance companies such as State Farm and Allstate allow you to get coverage prices online. Getting online quotes is quite simple as you simply enter the amount of coverage you want into a form. After the form is submitted, their system obtains information on your driving record and credit history and gives you a price quote based on these factors.

This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to get a lower rate.

A less time-consuming method to compare auto insurance pricing requires only one form that obtains quotes from a lot of companies. It’s a real time-saver, reduces the work, and makes online quotes a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. The whole process only takes a few minutes and may save quite a bit of money.

If you want to compare rates using this form now, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you type in deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will receive rate comparison quotes for exact coverage.

Parts of the Chevy HHR rate equation

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Don’t buy coverages you don’t need – There are many extra coverages that you can buy on your HHR policy. Insurance for rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Better credit means lower rates – Your credit score is a huge factor in calculating your insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit score is low, you could save money insuring your 2011 Chevrolet HHR by improving your rating.
  • Discounts for married couples – Being married helps lower the price on insurance. Marriage translates into being more mature than a single person and statistics show drivers who are married are more cautious.
  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents at a similar rate, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • What can I do if my company denied a claim?
  • What if I owe more than I can insure my car for?
  • How much liability do I need to cover my assets?
  • When should I buy a commercial auto policy?
  • What is PIP insurance?
  • Is my state a no-fault state?
  • When can my company non-renew my policy?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Can you really save that much by switching?

Auto insurance companies such as State Farm and Allstate regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move your policy. How does each company claim to save you money?

All the different companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer might be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential insureds who are not a match for these standards will be charged a more expensive rate which leads to business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings. That is why you absolutely need to compare many company’s rates. You cannot predict which auto insurance company will give you the biggest savings on Chevy HHR insurance.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto liability – This coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover 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. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, attorney fees and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy HHR.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage will pay to fix damage to your HHR resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, backing into a parked car, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, doctor visits and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

The best insurance company isn’t always the cheapest

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Low-cost 2011 Chevy HHR insurance is possible online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and these smaller companies work with independent agents.

We just presented many ways to reduce insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with the least-expected company.

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