Lower Your 2006 Chevrolet HHR Insurance Rates

Want the cheapest car insurance rates for your Chevrolet HHR? Are you drained from sacrificing other expenses to pay car insurance each month? You are no different than millions of other drivers.

There are many car insurance companies to choose from, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s smart to do price comparisons periodically since prices change frequently. Just because you had the lowest rates for HHR insurance last year you can probably find a better rate quote now. Forget all the misinformation about car insurance because it’s time to teach you the fastest way to save on car insurance.

Shopping for affordable insurance can be fairly easy. Just about every driver who has to buy insurance will most likely be able to save money. But drivers need to have an understanding of how the larger insurance companies price insurance differently.

Lower-cost car insurance rates with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even be aware of. Some of these disounts will be visible at quote time, but less common discounts must be specially asked for prior to getting the savings.

  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a car insurance quote for HHR insurance.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premium rates.
  • Professional Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
  • Early Signing – A few insurance companies allow discounts for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Sign Online – Some car insurance companies will provide an incentive just for signing your application on your computer.
  • Telematics Data – Drivers who agree to allow their car insurance company to look at driving manner remotely such as Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Student in College – Children who attend college more than 100 miles from home and don’t have a car could qualify for this discount.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky.

Auto insurance companies who may offer most of the discounts above include:

When quoting, ask every company which discounts can lower your rates. A few discounts might not be offered on policies in your area. To locate insurance companies that offer multiple discounts, click this link.

Low cost car insurance quotes

Most larger insurance companies make it easy to get prices for coverage direct online. Doing online quotes is possible for anyone because you just enter your personal and coverage information into a form. After you complete the form, the quote system pulls information on your driving record and credit history and gives you a price quote based on the information you submitted. This streamlines rate comparisons, but the work required to visit multiple sites and type in the same information is a waste of time. But it’s very important to have as many quotes as possible if you want to get better prices.

Rate comparisons made easy

The easiest way to find better car insurance pricing is to use a quote form to obtain quotes from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can choose any or none of the pricing results.

If a lower price is quoted, you can click and sign and purchase coverage. It takes just a few minutes to complete and can result in significant savings.

To find out how much you’re overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you enter exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes for similar insurance coverage.

The Chevy HHR insurance premium equation

Many different elements are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent like your continuous coverage or how safe your car is.Part of the auto insurance buying process is learning the factors that go into determining the rates you pay for auto insurance. When consumers understand what determines premiums, this allows you to make good choices that can earn you cheaper rates.

The following are some of the items that factor into your prices.

  • Insurance rates in urban areas – Having an address in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. Less people living in that area means less chance of accidents in addition to fewer liability claims. Drivers in populated areas have more traffic problems and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Auto insurance policy lapses increase auto insurance rates – Not having insurance is a misdemeanor and any future policy may cost more because you let your insurance expire. Not only will you pay more, not being able to provide proof of insurance could earn you fines and jail time.
  • Multiple policies with one company can save – Many companies apply discounts to people that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money. Consumers may save even more even if you have your coverage with different companies
  • Obey driving laws and save – Having just one speeding ticket can boost insurance rates by as much as twenty percent. Careful drivers get better prices than bad drivers. Drivers unfortunate enough to have multiple tickets such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Reserve auto insurance claims for larger damages – Car insurance companies give better rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Do you really need roadside assistance? – There are a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, death and dismemberment, and motor club memberships may not be needed and are just wasting money. They may seem good when talking to your agent, but now you might not need them so remove them and pocket the money.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you might need an agent’s assistance.

  • How high should my uninsured/underinsured coverage be in my state?
  • What is the difference between comprehensive and collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving a rental car?
  • Does insurance cover tools stolen from my truck?
  • Will my rates increase for filing one claim?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills like nursing services, funeral costs, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2006 Chevy HHR.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Keep this in mind

You just read a lot of techniques to save on 2006 Chevy HHR insurance. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance coverage is with a small local company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Some insurance providers may not have online price quotes small insurance companies only sell coverage through independent agencies. Cheaper insurance coverage is definitely available on the web in addition to many insurance agents, so you need to compare both in order to have the best price selection to choose from.

Much more information about insurance coverage can be read at the links below