2010 Chevrolet HHR Insurance Cost – 8 Tips for Cheaper Prices

Want lower car insurance rates for your Chevrolet HHR? Wish you could get out of overpriced car insurance? Don’t feel bad because there are many people just like you. There are many car insurance companies to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest cost provider.

You need to compare premium rates at least once a year because car insurance prices change frequently. If you had the best quotes on HHR coverage a year ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to show you the best way to find lower rates on car insurance.

Finding the best rates is quite easy. If you are insured now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Vehicle owners just need to learn the proper way to compare company rates on the web.

How to compare free insurance coverage quotes

Effectively comparing insurance coverage prices can take time and effort if you don’t know the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quotes to quickly compare rates.

Most major companies take part in a program that enables customers to submit their information once, and every company provides a quote. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing click here to open in new window.

The only downside to getting quotes like this is you cannot specify which providers you want pricing from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

Compare rates however you want, just make sure you are using apples-to-apples coverage limits for each quote you get. If you enter different values for each quote it will be nearly impossible to determine the lowest rate for your Chevy HHR.

Discounts can really help lower premiums

Insurance is not an enjoyable expense, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be specifically requested prior to receiving the credit.

  • Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on HHR coverage with a few insurance companies.
  • Safe Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on HHR coverage compared to accident prone drivers.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could earn substantially lower premium rates.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower insurance rates.
  • Organization Discounts – Being a member of certain professional organizations could earn you a nice discount on your bill.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

The best insurance companies and some of the discounts are:

  • Progressive policyholders can earn discounts including multi-policy, homeowner, continuous coverage, online quote discount, online signing, good student, and multi-vehicle.
  • The Hartford offers discounts including anti-theft, good student, vehicle fuel type, driver training, defensive driver, and bundle.
  • Mercury Insurance offers discounts for multi-car, good student, ease of repair, anti-theft, age of vehicle, and accident-free.
  • GEICO has savings for seat belt use, multi-policy, anti-lock brakes, emergency military deployment, military active duty, air bags, and good student.
  • AAA has discounts for multi-policy, good student, good driver, anti-theft, and AAA membership discount.
  • State Farm offers premium reductions for defensive driving training, multiple policy, accident-free, good driver, anti-theft, safe vehicle, and good student.

When comparing rates, check with every insurance company what discounts are available to you. Some credits might not be available to policyholders in your area. If you would like to choose from a list of insurers that offer some of these discounts, click this link.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • How much can I save by bundling my policies?
  • If my pet gets injured in an accident are they covered?
  • Is my nanny covered when driving my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have a commercial auto policy?
  • What is UM/UIM insurance?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Insurance policy coverages for a Chevy HHR

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Liability car insurance

This will cover injuries or damage you cause to a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, emergency aid, pain and suffering and structural damage. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy HHR.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage

This will pay to fix damage to your HHR resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, colliding with a tree, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, doctor visits, surgery, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay