2011 Chevrolet HHR Insurance Cost

Trying to find low-cost insurance for your Chevy HHR can be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to compare rates for a Chevy and find the lowest possible price either online or from local insurance agents.

How to buy insurance coverage online

Most major insurance companies like Allstate, Geico and Progressive make it easy to get prices direct online. Doing online quotes is pretty painless as you simply type in your required coverages as detailed in the form. Once you submit the form, the system automatically orders reports for credit and driving violations and returns pricing information based on these factors.

Online quotes makes it easy to compare insurance prices but having to visit multiple sites and type in the same information is a big time waster. Unfortunately, it is important to perform this step if you want to get a lower rate.

There is an easier way to compare rates

An easier way to find lower prices requires only one form that obtains quotes from several different companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable. As soon as you send your information, your coverage is rated and you can choose your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to get comparison pricing now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you type in coverages and limits exactly as they are listed on your policy. This ensures you are getting an apples-to-apples comparison for similar coverage.

Find hidden discounts on auto insurance

Some insurance providers don’t always advertise their entire list of discounts very well, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Federal Employees – Federal government employees could qualify for a slight premium decrease on HHR insurance with some auto insurance companies.
  • More Vehicles More Savings – Buying a policy with more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill and make you a better driver.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to track where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
  • Auto/Home Discount – If you can combine your home and auto policy and insure them with the same company you will save at least 10 to 15 percent or more.
  • Discounts for Good Drivers – Drivers without accidents can save up to 40% or more on their car insurance quote on HHR insurance than drivers with accident claims.
  • Life Insurance – Insurance carriers who offer life insurance give a lower auto insurance rate if you buy auto and life insurance together.

One last thing about discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, that’s just not realistic. But any discount will definitely reduce the amount you have to pay.

A few popular companies and some of their more popular discounts can be found below.

  • 21st Century may include discounts for good student, automatic seat belts, anti-lock brakes, defensive driver, and teen driver.
  • Progressive offers discounts including online signing, homeowner, multi-policy, online quote discount, good student, and multi-vehicle.
  • State Farm discounts include defensive driving training, multiple autos, driver’s education, accident-free, and good student.
  • Nationwide has discounts for anti-theft, family plan, Farm Bureau membership, multi-policy, and defensive driving.
  • Esurance policyholders can earn discounts including online quote, anti-lock brakes, claim free, multi-car, and good student.
  • The Hartford offers discounts for anti-theft, defensive driver, vehicle fuel type, good student, and driver training.

When getting a coverage quote, ask all the companies the best way to save money. Savings may not apply to policyholders everywhere. To find insurance companies that offer discounts, follow this link.

Learn how to buy auto insurance cheaper

An important part of buying insurance is that you know some of the elements that play a part in calculating your policy premiums. If you have a feel for what influences your rates, this enables informed choices that will entitle you to lower premium levels. Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious like your driving record, but some are more obscure such as your marital status or your financial responsibility.

  • Insure car and home with the same company – Lots of companies will award a discount to clients who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s always a smart idea to shop around to help ensure you have the lowest rates.
  • Do you work long hours in a demanding occupation? – Do you work in a high-stress field? Jobs like doctorsair traffic controllers and miners generally pay the highest average rates in part from job stress and lots of time spent away from family. Other occupations such as farmers, engineers and performers get better rates on HHR insurance.
  • Gals tend to be lower risk – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both cause auto accidents at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Alarms and GPS tracking lower premiums – Driving a car with an alarm system can earn a premium discount. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Rural vs Urban Areas – Living in small towns and rural areas may provide you with better prices when insuring your vehicles. Lower population translates into fewer accident claims in addition to fewer liability claims. Residents of big cities have to deal with traffic congestion and much longer commute distances. More time on the road means a statistically higher chance of an accident.
  • Do you really need to file that claims? – If you are the type of insured that files lots of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Auto insurance companies provide the best rates to insureds who only file infrequent claims. Your insurance policy is intended to be relied upon for the large, substantial claims.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if you would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • What is covered by UM/UIM coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I crash into my own garage door?
  • Is motorclub coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • Will filing a claim cost me more?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy HHR.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, prosthetic devices, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage 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 coverage pays for claims like falling objects, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as attorney fees, medical expenses, bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance covers damage to your HHR resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Do the work, save more money

You just read a lot of techniques to save on 2011 Chevy HHR insurance. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a smaller regional carrier.

Consumers leave their current company for a variety of reasons including an unsatisfactory settlement offer, poor customer service, unfair underwriting practices and even questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Some auto insurance companies do not offer online quoting and usually these small, regional companies only sell through independent insurance agents. The cheapest 2011 Chevy HHR insurance is definitely available from both online companies and from local agencies, and you should compare rates from both to have the best rate selection.

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