2006 Chevrolet HHR Car Insurance Cost – 6 Policy Discounts

Finding more affordable coverage rates on insurance can seem to be frustrating for drivers who are new to shopping for insurance online. Since there are so many companies in the marketplace, it can be a real challenge to find cheaper insurance rates.

You need to get comparison quotes periodically because insurance prices change frequently. Even if you got the best rate for HHR coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to lower your premiums substantially using this information. But drivers benefit from understanding how insurance companies price online insurance because it can help you find the best coverage.

Quote insurance online

When looking for inexpensive auto insurance quotes, there are a couple ways to compare quotes from many different insurance companies. The best method to find cheaper 2006 Chevy HHR rates is to get quotes online. This is very easy and can be done in a couple of different ways.

Experts agree that the best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method eliminates the need for multiple quote forms for each company you want a rate for. One quote request will return quotes from multiple low-cost companies.It’s the quickest way to get rates.

A harder way to analyze rates requires you to visit each company website to complete a price quote. For instance, we’ll pretend you are doing a rate comparison from Allstate, 21st Century and Progressive. You would have to navigate to each company’s site and repeatedly type in your coverage information, which can take a lot of time.

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

It’s up to you which method you use, but be sure you’re using exactly the same deductibles and coverage limits for each price quote. If you are comparing different liability limits it’s impossible to determine the lowest rate for your Chevy HHR. Quoting even small variations in insurance coverages may result in large price differences. Just remember that more quotes increases your odds of finding the best rates.

Get lower rates with these six discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts will apply at the time of purchase, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts as much as 30%.
  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease for HHR coverage depending on your car insurance provider.
  • Active Service Discounts – Being on active deployment in the military may lower your prices slightly.
  • Professional Memberships – Belonging to a civic or occupational organization can get you a small discount when getting a auto insurance quote.
  • Multi-Vehicle Discounts – Having more than one vehicle on one policy can get a discount for every vehicle.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to scrutinize when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

Popular car insurance companies and some of their more popular discounts are included below.

  • State Farm offers premium reductions for driver’s education, passive restraint, student away at school, Steer Clear safe driver discount, anti-theft, accident-free, and good student.
  • Nationwide policyholders can earn discounts including defensive driving, business or organization, easy pay, accident-free, and good student.
  • GEICO may offer discounts for five-year accident-free, emergency military deployment, federal employee, membership and employees, seat belt use, air bags, and driver training.
  • AAA offers discounts for AAA membership discount, multi-car, anti-theft, multi-policy, and good student.
  • 21st Century may have discounts that include homeowners, theft prevention, student driver, anti-lock brakes, teen driver, early bird, and automatic seat belts.
  • The Hartford has discounts for good student, bundle, air bag, driver training, and anti-theft.

When quoting, ask all companies you are considering which discounts you qualify for. All car insurance discounts may not be available in your state. To find insurers who offer car insurance discounts, click this link.

What is the best car insurance coverage?

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you would benefit from professional advice.

  • How do I insure my teen driver?
  • Does liability extend to a camper or trailer?
  • Does my policy pay for OEM or aftermarket parts?
  • How high should deductibles be on a 2006 Chevy HHR?
  • How much liability coverage do I need in my state?
  • When should my teen driver be added to my policy?
  • Does my 2006 Chevy HHR need full coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverages 101

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverages – Liability coverage protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, dental work, nursing services, funeral costs and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection – This coverage 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 insurance covers things such as damage from a tornado or hurricane, vandalism and fire damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This pays for damage to your HHR resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, hitting a parking meter, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Money doesn’t grow on trees

We covered a lot of techniques to get a better price on 2006 Chevy HHR insurance. The key concept to understand is the more you quote auto insurance, the better chance you’ll have of finding cheaper auto insurance. Drivers may discover the lowest prices come from a smaller regional carrier.

Cheaper insurance coverage is definitely available online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer price quotes online and usually these regional carriers provide coverage only through independent insurance agencies.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer or policy non-renewal. Regardless of your reason, finding a great new company is easier than you think.

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