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Chevrolet HHR Insurance Rates

Comparing auto insurance by comparing rates online can be fast and easy, plus you will probably save money. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Finding lower Chevrolet HHR insurance cost can be quick and easy. You just have to spend a little time comparing rates provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by these factors

Insurance rates for a Chevrolet HHR can vary widely depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating
  • Your gender can raise or lower rates
  • The deductible you choose
  • Crash test rating for your HHR
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

One last important factor that can impact the rate you pay on your Chevrolet is the year of manufacture. Models that are new have a higher value so the cost to replace them can inflate annual premiums. But newer models may have options including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance - This coverage protects you from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This coverage pays for damage to your Chevrolet caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Chevrolet HHR collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Chevrolet HHR Insurance Rates?