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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Millie Ford
Here’s what I found out. I live in a small town just outside of Warwick, Rhode Island. Compared rates from a lot of places. Saved darn near $60 a month. Progressive was the cheapest for me. Not sure if rates are cheaper online or not.
Shawna Whitley
I live in Madison, Wisconsin. Got prices from GEICO, AIG Insurance, Farmers, and Hanover for my 2011 Chevrolet HHR and saved $112 a year. I have a couple other vehicles on the policy.
Tyler Adkins
Affordable car insurance is a myth. From a town just southwest of Houston, TX. Received prices from Hartford, American Family, Safeco, and a couple others for my Chevrolet and I’m now saving $62 a month. It’s easy to compare rates online now.
Latarsha Mcclure
If you have a clean record and are close to Newark, DE, check out GEICO. They seem to be cheaper. Highly recommended.
Charlette Howell
Not sure if this is cheap. I live on the west side of Denver, Colorado. I got free rates from American Family, Nationwide, and some smaller one I can’t remember the name of for my 2011 Chevrolet HHR and saved about $140 a year. Was with Mercury.
Lyle Buckner
Anyone buy from AAA? I’m in Shreveport, LA.
Tami Manning
In Jackson, MS, AAA had the best rates for my 2011 Chevrolet HHR. Insured with Erie before.
Boyd Sims
I switched to GEICO. Quoted good rates in Rio Rancho, NM. A clean driving record helps.
Latrice Hodges
Like your site, BTW. I’m from Tulsa, OK. I don’t recall every quote but I ended up saving about $70 each month. Insured with Safeco before. I’m a pretty good driver though. I got a quote from their website.
Clemencia Rios
Not sure what I should be paying. I live on the south side of Aurora, IL. Quoted with State Farm, Liberty Mutual, and Eastwood for my HHR and saved just over $340 a year. I think they have home insurance too. Highly recommended.
Karole Anthony
Cheaper car insurance is a myth. I’m in the west part of Hartford, Connecticut. Got car insurance rates from AAA, Mercury, and some smaller one I can’t remember the name of for my Chevrolet and I think I cut my rates about $40 each month. Get lots of quotes to find the best rate.
Coreen Hoffman
Great site. Live in the western part of Juneau, AK. Quoted prices online for a 2011 Chevrolet HHR. Ended up at about $230 savings annually. Went with 21st Century.