2011 Chevrolet HHR Insurance Rates – 10 Tips for Best Quotes

Want the cheapest car insurance rates for your Chevrolet HHR? Trying to find the cheapest insurance for a Chevy HHR could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Chevy and obtain the cheapest rates.

It’s smart to get comparison quotes once or twice a year since insurance prices are constantly changing. Even if you got the best rate on HHR insurance a year ago you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the easiest way to properly buy coverages while reducing your premium.

How to buy insurance

Finding a lower price on 2011 Chevy HHR insurance is surprisingly easy. Consumers just need to spend a few minutes to compare free car insurance quotes to find out which insurance company has cheap car insurance quotes. Insurance prices can be quoted by following the guidelines below.

1. If you don’t have a lot of time, the easiest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quotation requests for each company you want a rate for. Filling out one form gets you coverage quotes from all major companies. This is perfect if you don’t have a lot of time.
2. Another way to find lower rates is spending the time to visit each individual company website and go through the quote process again. For example, we’ll assume you want to compare rates from Nationwide, State Farm and Geico. In order to get each rate, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old.

   For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same coverage limits with each company. If you have different liability limits you will not be able to decipher which rate is best.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings for switching from the likes of State Farm and Allstate. They all seem to have a common claim that people will save if you move to their company.

How does every auto insurance company give you a lower rate?

All the different companies quote their cheapest rates for the driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 45, has never had a policy lapse, and has excellent credit. A driver that fits those parameters will get the preferred car insurance rates and will cut their rates if they switch.

Insureds who may not quite match those criteria will be charged a higher premium which translates to the customer not buying. The ads state “drivers that switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully state the savings. This really illustrates why you absolutely need to get as many free car insurance quotes as possible. Because you cannot predict which insurance companies will have the best prices at this point in time.

Auto insurance discounts help lower rates

Properly insuring your vehicles can get expensive, but you may qualify for discounts to help offset the cost. Certain reductions will be credited when you get a quote, but once in a while a discount must be inquired about before they will apply. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

• Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts of up to 25% or more.
• Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out life insurance from them.
• Homeowners Pay Less – Owning a house may trigger a policy discount on auto insurance because maintaining a house shows financial diligence.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy may enable drivers to earn substantially lower premium rates.
• Student Discounts – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Early Renewal Discounts – A few companies allow discounts for buying a new policy prior to your current policy expiration. It could save around 10% when you buy car insurance online.
• Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates on HHR insurance as compared to drivers with claims.
• Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on HHR insurance but check with your company.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will help lower the amount you have to pay.

To see a list of companies who offer auto insurance discounts, click here.

Which is the best auto insurance?

When buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover whether you might need an agent’s assistance.

• Does coverage extend to my business vehicle?
• Are my friends covered when driving my car?
• Is my teen driver covered when they drive my company car?
• Is my business laptop covered if it gets stolen from my vehicle?
• What can I do if my company won’t pay a claim?
• Should I get collision insurance on every vehicle?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2011 Chevy HHR

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, sustaining damage from a pot hole, crashing into a building and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, rehabilitation expenses, hospital visits, nursing services and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy HHR.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, repair costs for stationary objects, loss of income, pain and suffering and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Make a quick buck

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped full coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

We covered some good ideas how to lower your 2011 Chevy HHR insurance car insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest priced insurance comes from a lesser-known regional company.

Some insurance companies don’t offer price quotes online and many times these regional insurance providers only sell through independent agents. Cheaper 2011 Chevy HHR insurance is possible on the web as well as from independent agents, and you need to price shop both to have the best selection.

More information is located on the following sites:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• What is Full Coverage? (Allstate)