2009 Chevrolet HHR Insurance Cost – 9 Policy Discounts

Looking for better auto insurance rates for your Chevrolet HHR? Buying cheap auto insurance can be problematic for consumers who are new to buying insurance on the web. With such a large choice of online companies available, how are consumers able to have a chance to compare all the different companies and get the best available price?

It’s a great practice to price shop coverage at least once a year because auto insurance rates trend upward over time. Even if you think you had the lowest rate for HHR insurance six months ago the chances are good that you can find a lower price today. You can find a lot of misleading information regarding auto insurance on the web, but in this article, you’re going to get some proven techniques to slash your auto insurance rates.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Locating the cheapest protection is easy if you know what you’re doing. But consumers do need to know how the larger insurance companies sell online.

Affordable insurance quotes with discounts

Some companies do not advertise all disounts in a way that’s easy to find, so the below list has both well-publicized as well as the least known insurance savings.

• Air Bags and Passive Restraints – Factory air bags could see savings as much as 30%.
• Senior Citizens – Mature drivers may qualify for a small discount on rates for HHR insurance.
• Clubs and Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums when getting a car insurance quote.
• Drive Less and Save – Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
• Multiple Policy Discount – When you combine your auto and home insurance with the same company you will save up to 20% off your total premium.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote car insurance for HHR insurance but check with your company.
• Early Switch Discount – Select larger companies give a discount for signing up early. Ten percent is about the average savings.
• Cautious Driver Discount – Drivers who don’t get into accidents may save up to 50% more for HHR insurance than drivers with accident claims.
• Distant Student Discount – who live away from home to go to college and don’t have a car could get you a discount.

Keep in mind that some of the credits will not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount should help lower your insurance premiums.

To locate insurance companies that offer some of these discounts, follow this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

• Is there coverage for injuries to my pets?
• Does coverage extend to my business vehicle?
• Do I have coverage when making deliveries for my home business?
• How much liability coverage do I need in my state?
• Do I need replacement cost coverage?
• Are my friends covered when driving my car?
• Am I covered if I wreck a rental car?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

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

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2009 Chevy HHR.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, X-ray expenses, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hitting a deer, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as funeral expenses, structural damage, loss of income, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

What is YOUR best insurance company?

Budget-friendly insurance coverage can be sourced on the web as well as from independent agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some insurance coverage companies may not have the ability to get a quote online and many times these regional carriers work with local independent agencies.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to regret that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the best price and still be able to protect your assets.

Consumers leave their current company for a variety of reasons including high prices, high rates after DUI convictions, lack of trust in their agent and even policy non-renewal. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Additional articles

• Safety Features for Your New Car (State Farm)
• Help Your Teen Be a Better Driver (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)