Cheap 2006 Chevrolet HHR Insurance Rates

Looking for cheaper auto insurance rates for your Chevrolet HHR? Nobody that owns a car rejoices having to buy auto insurance, especially when they know the prices are way too high.

Drivers have multiple car insurance companies to pick from, and although it’s nice to be able to choose, more options can take longer to find a good deal.

How do insurers determine Chevy HHR insurance rates?

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that come into play when calculating your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that will entitle you to big savings.

• Job stress can affect prices – Did you know that where you work can have an impact on rates? Occupational choices like military personnelairline pilots and medical professionals generally pay higher premium rates in part from high stress and incredibly demanding work hours. On the flip side, jobs like farmers, historians and the unemployed have the lowest average rates on HHR insurance.
• Do you know you’re credit score? – A driver’s credit history is likely to be a major factor in determining what you pay for auto insurance. People that have high credit ratings tend to be more responsible and file fewer claims than those with lower ratings. So if your credit history is lower than you’d like, you could save money insuring your 2006 Chevrolet HHR by spending a little time repairing your credit.
• Frequent policy claims increase rates – If you’re an insured who likes to file claims you can definitely plan on higher rates. Insurance companies provide better rates to policyholders who file claims infrequently. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Prevent theft and save – Buying a car with a theft deterrent system can get you a discount on your auto insurance. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
• Your liability protection limits – Liability insurance will afford coverage if ever you are determined to be liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Gender as a rate factor – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Both sexes get in fender benders at a similar rate, but males cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
• Insure car and home with the same company – Many insurance companies afford better rates to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to compare rates to ensure the best deal. Drivers may still save money even if you insure with multiple companies

Finding insurance coverage

The majority of larger companies allow you to get prices for coverage on the web. Comparing prices online is fairly straightforward as all you need to do is type in the coverage amounts you desire into the form. After you submit the form their quoting system makes automated requests for your credit score and driving record and returns a price quote. Online quotes helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to get the best price on insurance coverage.

The better way to compare rates

A quicker way to locate the lowest prices makes use of a single form to return rates from several companies at one time. It saves time, eliminates form submissions, and makes price shopping online much more enjoyable. Immediately after submitting the form, it is rated and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

In order to compare rates using this form now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you duplicate the limits and deductibles identical to your current policy. Doing this guarantees you will have an apples-to-apples comparison using the same coverage and limits.

Discounts can really help to save

Auto insurance is not inexpensive, but there may be some discounts that many consumers don’t even know exist. Most are applied at the time of quoting, but a few need to be requested specifically prior to getting the savings.

• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
• Multi-line Discount – Some companies give a discounted price on car insurance if you buy some life insurance too.
• Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Multi-policy Discount – When you combine your homeowners and auto insurance with one company you could get a discount of up to 20% and get you cheaper auto insurance.

You should keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way.

Insurance companies that may offer quotes with these money-saving discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Check with all the companies which credits you are entitled to. Some credits may not apply to policyholders in your state. To see a list of auto insurance companies who offer online auto insurance quotes, click here to view.

Will just any policy work for me?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if your situation might need an agent’s assistance.

• Are all vehicle passengers covered by medical payments coverage?
• Are my friends covered when driving my car?
• When would I need additional glass coverage?
• Does having multiple vehicles earn me a discount?
• Am I covered when driving on a suspended license?
• If my pet gets injured in an accident are they covered?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

UM/UIM Coverage

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

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, court costs and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your HHR resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as X-ray expenses, hospital visits, surgery, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More choices the merrier

You just read a lot of techniques to get a better price on 2006 Chevy HHR insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheaper auto insurance. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Progressive and Geico.

When searching for cheaper auto insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest cost.

More detailed insurance coverage information is available by following these links:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)