2009 Chevrolet HHR Insurance Rates

Searching for lower insurance coverage rates for your Chevrolet HHR? Locating low-cost insurance for a Chevy HHR can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find insurance coverage online so you’re going to learn the proper way to compare rates for a Chevy and get the lowest possible price.

If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. Pricing the best car insurance can be fairly easy. Drivers only need an understanding of the proper way to shop for car insurance over the internet.

How to buy car insurance

Reducing your 2009 Chevy HHR insurance rates is actually easier than you may think. Consumers just need to spend a few minutes comparing price quotes to see which company has the cheapest insurance coverage quotes. Price comparisons can be done in several different ways.

  • Experts agree that the best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do multiple quote forms for every prospective company. One simple form gets you price quotes from multiple companies. Just one form and you’re done.
  • A more time consuming way to obtain and compare quotes online is spending the time to visit the website of each company and fill out their own quote form. For instance, let’s assume you want to view quotes from Nationwide, Allstate and GMAC. You would be required to visit each site and enter your policy data, which is why first method is reommended.

    For a list of companies in your area, click here.

  • The least efficient method to find lower rates is to spend time driving to insurance agents’ offices. Quoting and buying insurance online has reduced the need for local agents unless you want the advice and guidance of a local agency. However, consumers can find lower rates online but purchase the actual policy in an agency.

The method you choose is up to you, but make darn sure you compare apples-to-apples quote data on every quote. If each company quotes different values for each quote it will be very difficult to get a fair rate comparison.

Get cheaper car insurance quotes with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically before you will receive the discount. If you are not receiving all the discounts possible, you could be paying more than you need to.

  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Early Switch Discount – Select car insurance companies give a discount for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off for HHR insurance with a few car insurance companies.
  • Cautious Driver Discount – Accident-free drivers may save up to 50% more for HHR insurance than drivers with accident claims.
  • Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course in school.
  • ABS Braking Discount – Cars with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
  • Anti-theft Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company they may give you a discount of nearly 15% which can help you find affordable insurance coverage.
  • Multiple Vehicles – Buying a policy with more than one vehicle with the same car insurance company could earn a price break for each car.

Just know that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Popular car insurance companies and some of their more popular discounts are included below.

  • American Family has discounts for good driver, bundled insurance, accident-free, early bird, TimeAway discount, and air bags.
  • State Farm discounts include driver’s education, anti-theft, multiple autos, multiple policy, good student, safe vehicle, and accident-free.
  • 21st Century may have discounts that include homeowners, good student, air bags, theft prevention, early bird, and 55 and older.
  • Travelers has savings for save driver, payment discounts, multi-car, early quote, multi-policy, and good student.
  • GEICO offers discounts for daytime running lights, air bags, federal employee, driver training, anti-theft, good student, and anti-lock brakes.

Before purchasing a policy, check with all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply to policies everywhere. If you would like to view insurance companies with discount rates, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine if you might need professional guidance.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I need an umbrella policy?
  • What can I do if my company denied a claim?
  • Why am I required to buy liability insurance?
  • Is rental equipment covered for theft or damage?
  • Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Chevy HHR insurance prices can be cheaper

A large part of saving on insurance is knowing the factors that go into determining the level of your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that will entitle you to lower insurance prices. Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are more obscure such as your credit history or how safe your car is.

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

  • Drivers with good credit save on insurance – Your credit score factor in determining premium rates. People with good credit tend to be better risks to insure than those with lower credit ratings. So if your credit score is low, you could save money insuring your 2009 Chevrolet HHR by taking the time to improve your credit score.
  • Proper usage rating affects premiums – The more you drive every year the more you’ll pay to insure your vehicle. Many insurance companies calculate rates based on how the vehicle is used. Vehicles that have low annual miles cost less to insure than those that get driven frequently. Having the wrong rating on your HHR can cost quite a bit. Double check that your vehicle rating correctly shows how each vehicle is driven, because it can save money.
  • Insurance companies don’t like frequent insurance claims – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Companies give the best rates to policyholders who are claim-free. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Teenage drivers are expensive to insure – Older people are viewed as being more responsible, file fewer claims and get fewer tickets.Inexperience drivers tend to be less responsible when behind the wheel so they pay higher insurance rates.
  • Only buy what you need – There are many extra bells and whistles that sound like a good idea at the time but may not be useful. Coverage for things like rental car reimbursement, towing, and Farm Bureau memberships are some examples. These may sound like a good investment when buying your policy, but if they’re wasting money think about removing them and cutting costs.
  • No insurance policy gaps is important – Not maintaining insurance is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, failure to provide proof of insurance might get you a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Consolidate policies and save money – Many insurers afford better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to ten percent or more. Even if you’re getting this discount it’s always a smart idea to comparison shop to help ensure you have the lowest rates. You may still be able to save more without the discount by splitting coverages up.
  • Do thieves like your car? – Buying a car with an alarm system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.

Big brands don’t always mean big savings

Consumers can’t get away from ads that promise big savings by companies like Allstate, GEICO and Progressive. They all seem to seem to make the promise that drivers will save a bundle after switching your auto insurance policy to them.

How is it possible that every company can charge lower premium rates? This is how they do it.

Insurance companies require specific criteria for the type of driver that will most likely be profitable. One example of a desirable risk could possibly be between the ages of 30 and 45, insures multiple vehicles, and drives a lower-performance vehicle. Any customer that matches those criteria is entitled to the best price and therefore will cut their rates if they switch.

People who cannot meet the ideal profile will get more expensive rates which translates to the customer buying from someone else. The trick companies use is to say “people who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can confidently make it sound like they have such great premium rates. Because each company has a different risk profile, you should quote coverage with many companies. It is just not possible to predict which insurance companies will give you lower car insurance rates than your current company.

Auto insurance coverage options for a Chevy HHR

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, dental work, doctor visits, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your HHR from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical expenses, bail bonds, legal defense fees, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Best coverage at the best price

People switch companies for a number of reasons such as policy cancellation, high rates after DUI convictions, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Lower-priced car insurance can be sourced both online in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance providers don’t offer online rate quotes and these small, regional companies only sell coverage through local independent agencies.

We’ve covered many tips how you can lower your 2009 Chevy HHR insurance premium rates. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may be surprised to find that the best premium rates are with a lesser-known regional company.

More information