2007 Chevrolet HHR Insurance Rates – 10 Policy Discounts

Having to pay for overpriced car insurance can eat up your bank account and possibly require postponing other expenditures.

Vehicle owners have so many car insurance companies to buy insurance from, and though it is a good thing to have a choice, more choices can make it harder to find the best rates.

You should make it a habit to price shop coverage occasionally because car insurance prices are variable and change quite frequently. Just because you had the lowest rate for HHR coverage a few years ago there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.

Affordable insurance quotes with discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even know about. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked about before being credited.

  • Save over 55 – If you qualify as a senior citizen, you are able to get lower premium rates for HHR coverage.
  • Military Deployment Discount – Having a deployed family member can result in better rates.
  • Driver Education Discount – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
  • Sign Early and Save – A few insurance companies allow discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Good Student – Being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Paperless Signup – A handful of companies will provide an incentive just for signing your application online.
  • Low Mileage – Fewer annual miles on your Chevy could be rewarded with cheaper rates.
  • Data Collection Discounts – Policyholders that allow their company to analyze driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on insurance.

Please keep in mind that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, that’s just not realistic.

Some companies that have these money-saving discounts include:

Before buying, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area. To see a list of insurance companies that offer many of these discounts, follow this link.

Insurance advertising tricks

Insurance coverage companies such as 21st Century, Allstate and State Farm endlessly run television and radio advertisements. All the ads seem to make the promise about how much you will save after switching to their company. How do they all claim to save you money?

Many companies have specific criteria for the type of customer that earns them a profit. An example of a desirable insured could possibly be between the ages of 30 and 45, has no claims, and has great credit. A customer that hits that “sweet spot” is entitled to the best price and most likely will save some money.

People who are not a match for this ideal profile may be required to pay higher premiums which translates to business going elsewhere. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much. This is how companies can truthfully lure you into getting a quote. Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. It is impossible to predict which insurance companies will give you lower rates than your current company.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I benefit by insuring my home with the same company?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 2007 Chevy HHR?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance policy coverages for a Chevy HHR

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy HHR.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability auto insurance – This coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like court costs, attorney fees, funeral expenses, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Collision – Collision coverage pays for damage to your HHR from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, damaging your car on a curb, rolling your car, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, EMT expenses, X-ray expenses, nursing services and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, fire damage, hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

A fool and his money are soon parted

Budget-conscious 2007 Chevy HHR insurance can be sourced online in addition to many insurance agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some car insurance companies may not offer online rate quotes and many times these small, regional companies only sell through independent insurance agents.

We covered many ideas to shop for 2007 Chevy HHR insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting low cost insurance coverage. You may even find the lowest rates come from an unexpected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

When getting insurance coverage quotes online, you should never buy less coverage just to save a little money. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best possible price.

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