2007 Chevrolet HHR Insurance Cost

Locating the cheapest insurance for a new or used Chevy HHR could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance online so you’re going to learn the quickest way to price shop coverage for a Chevy and locate the cheapest rates from both online companies and local agents.

The best way we recommend to compare rate quotes takes advantage of the fact most insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is provide a small amount of information including how much education you have, deductibles desired, how your vehicles are used, and driver ages. That rating information is submitted instantly to many highly-rated insurers and you should receive rate quotes quickly.

To compare rates for your 2007 Chevy HHR now, click here and enter the information requested.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might point out if you would benefit from professional advice.

  • What are the best liability limits?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • What vehicles should carry emergency assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • When would I need additional glass coverage?
  • Is a fancy paint job covered?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like legal defense fees, attorney fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. 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 in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, nursing services, doctor visits and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, damage from getting keyed and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.