2010 Chevrolet HHR Car Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, you are not the only one feeling buyer’s remorse.

Having so many online and local companies to choose from, it can be challenging to pick the most affordable insurance coverage provider.

It’s important to compare prices periodically because insurance prices change regularly. Just because you had the lowest price for HHR insurance a few years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out one of the best ways to reduce your cost while improving coverage.

Learn how to lower your insurance premiums

Multiple criteria are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are less obvious like your continuous coverage or your vehicle rating.One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that play a part in calculating the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that could result in cheaper rates.

• How many coverages with the same company – Lots of companies afford better rates to insureds that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. It’s possible to still find a better deal by buying from different companies
• Pay more of a claim out-of-pocket – Your deductibles represent how much money you are required to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of covered claims are colliding with a stationary object, fire damage, and damage from wind. The higher the amount you’re willing to pay, the better rate you will receive for HHR insurance.
• Teenagers vs. older drivers – More experienced drivers have been proven to be more responsible, tend to cause fewer accidents and are safer drivers.Teen drivers have been known to get distracted easily when driving with friends so insurance rates are higher.
• Extra policy coverages are wasting money – There are quite a few additional coverages that sound like a good idea at the time but may not be useful. Add-on coverages like rental car reimbursement, towing, and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.

Save money by getting discounts

Insuring your vehicles can cost a lot, but companies offer discounts that could help you make your next renewal payment. A few discounts will automatically apply when you quote, but a few must be manually applied before you get the savings.

• Service Members Pay Less – Having an actively deployed family member can result in better premium rates.
• Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less for HHR insurance than less cautious drivers.
• No Charge for an Accident – Not necessarily a discount, but companies like Allstate and Progressive will let one accident slide before they charge you more for coverage if you are claim-free for a set time period.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
• Clubs and Organizations – Joining a professional or civic organization could qualify you for a break on insurance coverage.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and some of the discounts are shown below.

• State Farm has discounts for driver’s education, anti-theft, student away at school, Drive Safe & Save, multiple policy, and good student.
• Geico may offer discounts for membership and employees, multi-vehicle, good student, seat belt use, federal employee, defensive driver, and emergency military deployment.
• Progressive offers discounts for homeowner, multi-vehicle, good student, online signing, multi-policy, and continuous coverage.
• 21st Century includes discounts for defensive driver, 55 and older, air bags, early bird, student driver, good student, and anti-lock brakes.
• American Family offers discounts including bundled insurance, TimeAway discount, defensive driver, early bird, Steer into Savings, mySafetyValet, and good student.
• The Hartford may have discounts that include good student, anti-theft, bundle, driver training, defensive driver, vehicle fuel type, and air bag.
• AAA has savings for anti-theft, multi-policy, education and occupation, good driver, and multi-car.

If you need the cheapest car insurance quotes, ask every company which discounts can lower your rates. Discounts may not be available in your area. To find companies who offer discounts, click this link.

Your insurance coverage should be tailored to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight if you would benefit from professional advice.

• What should my uninsured motorist coverage limits be in my state?
• How many claims can I have before being cancelled?
• Is there coverage for injuries to my pets?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What if I owe more than I can insure my car for?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When should I remove comp and collision on my 2010 Chevy HHR?
• Is upholstery damage covered by car insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

This coverage protects you from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, emergency aid, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, dental work, hospital visits, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy HHR.

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

A fool and his money are soon parted

You just read a lot of tips how to shop for 2010 Chevy HHR insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Lower-priced 2010 Chevy HHR insurance is definitely available online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some insurance coverage companies may not provide online quoting and most of the time these regional insurance providers prefer to sell through local independent agents.

Additional detailed information is available at these sites:

• How do I File a Claim? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Collision Insurance Coverage (Nationwide)
• Young Drivers: The High Risk Years Video (iihs.org)