2008 Chevrolet HHR Car Insurance Quotes – 6 Ways to Save

Finding the cheapest insurance for a new or used Chevy HHR can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to compare insurance rates and we’ll show you the absolute fastest way to price shop coverage for your Chevy and locate the lowest price either online or from local insurance agents.

Smart consumers take time to shop coverage around at least once a year because insurance prices trend upward over time. Just because you found the lowest rates on HHR coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

If you are insured now or need a new policy, you can follow these tips to find the best rates while maximizing coverage. Buying cheaper car insurance is quite easy. Vehicle owners just need to learn the most effective way to compare company rates on the web.

How to lower your auto insurance cost

Getting a cheaper price on 2008 Chevy HHR insurance is surprisingly easy. Drivers just need to invest a little time to compare rate quotes from different insurance companies. You can get a good selection of rate quotes in several different ways.

  1. If you’re in a hurry, the quickest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing separate forms for every auto insurance company. Filling out one form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A different way to analyze rates is to manually visit the website of each company and get a separate price quote. For example, let’s say you are doing a rate comparison from State Farm, Safeco and GMAC. You would need to navigate to each company’s site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but double check that you are using equivalent quote data for every company. If your comparisons have different deductibles it will be next to impossible to truly determine the lowest rate.

Insurance can be complex

When buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can aid in determining if your situation might need professional guidance.

  • I have a DUI can I still get coverage?
  • Am I covered if my car is in a flood?
  • Do I really need UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • How do I file an SR-22 for a DUI in my state?
  • What are the financial responsibility laws in my state?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Learn about car insurance coverages for a 2008 Chevy HHR

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

Collision coverage – This will pay to fix damage to your HHR resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2008 Chevy HHR.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as chiropractic care, pain medications, funeral costs, nursing services and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, a tree branch falling on your vehicle, theft, falling objects and hitting a bird. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability – This coverage provides protection from damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as medical services, repair costs for stationary objects, bail bonds, pain and suffering and court costs. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.