How Much Does 2007 Chevrolet HHR Insurance Cost?
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UPDATED: Apr 13, 2022
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Searching for better auto insurance rates for your Chevrolet HHR? Overpriced 2007 Chevrolet HHR Insurance costs can drain your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to slash your bill and have a more disposable income.
Popular companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with advertising, and it can be hard to ignore the propaganda and find the best price available.
Consumers should take time to get comparison quotes on a regular basis because prices trend upward over time. Even if you got the best rates for HHR coverage on your last policy, other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to find better coverage at a better price.
Complexity of 2007 Chevrolet HHR Insurance Cost
Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.
The list below includes a few of the “ingredients” that factor into premiums.
- Being married can save on auto insurance – Getting married helps lower the price when buying auto insurance. Marriage translates into being more mature than a single person. It has been statistically shown that married drivers get in fewer accidents.
- Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Chevy HHR is rated at least four stars on Safercar.gov you may qualify for a discount.
- Do you need policy add-ons? – There are quite a few extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and motor club memberships may cost you every month. They may seem good initially, but if you don’t need them remove them from your policy.
- Bundling policies can get discounts – Some insurers will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to verify if the discount is saving money.
- You might want to pay the small claims yourself – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies generally give better rates to people who do not file claims often. Your insurance policy is intended for large, substantial claims.
- Teen drivers pay high rates – Teenage drivers are known to be more careless behind the wheel, so auto insurance rates are higher. Having to add a young driver to a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
Insurance Coverage Prices Online
When shopping for insurance coverage, there are multiple ways to compare rate quotes from local insurance coverage companies. By far, the easiest way to find the lowest 2007 Chevy HHR prices involves getting comparison quotes online. This is very easy and can be done using a couple of different methods.
- One of the best ways to get the best comparison quotes is an all-inclusive rate comparison form. This type of form eliminates the need for multiple quote forms for each company you want a rate for. One form will get you price quotes from multiple low-cost companies.
- Another way to compare rate quotes is to take the time to go to the website for each individual company and fill out their own quote form. For instance, let’s say you want rates from Progressive, 21st Century and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your information.
Which method you use is up to you, but make darn sure you compare exactly the same deductibles and coverage limits for every quote you compare. If you enter higher or lower deductibles it’s impossible to make a fair comparison for your Chevy HHR. Just a small difference in coverage can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will enable you to find a lower rate.
Save on 2007 Chevrolet HHR Insurance Cost
Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
- Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Passive Restraint Discount – Vehicles equipped with airbags and/or automatic seat belt systems can qualify for discounts of 20% or more.
It’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverage, such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But any discount will cut the cost of coverage.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different, so this has to be addressed. Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Am I covered if I hit my neighbor’s mailbox?
- Exactly who is provided coverage by my policy?
- Are all vehicle passengers covered by medical payment’s coverage?
- What companies insure drivers after a DUI or DWI?
- Can my babysitter drive my car?
- Is my dog or cat covered if injured in an accident?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I benefit by insuring my home with the same company?
- Should I buy only the required minimum liability coverage?
If you don’t know the answers to these questions, but you know they apply to you then you might want to talk to an agent.
Auto insurance coverage information
Understanding the coverage of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.
Collision coverage – This covers damage to your HHR caused by a collision with an object or car. You will need to pay your deductible, then your collision coverage will kick in.
Collision can pay for claims like sustaining damage from a pothole, driving through your garage door, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.
Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first, then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as damage from flooding, vandalism and falling objects. 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 it’s probably time to drop comprehensive insurance.
Auto liability insurance – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
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 commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, ambulance fees, EMT expenses and X-ray expenses. The coverage can be used to fill the gap in your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants, in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payment’s coverage.
More comparisons equals lower rates
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured person drops uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.
We just presented some good ideas on how to compare 2007 Chevy HHR insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced insurance coverage comes from some lesser-known companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.
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