Cheaper 2008 Chevrolet HHR Car Insurance Rates
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UPDATED: May 12, 2022
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Searching for the cheapest insurance rates for your Chevrolet HHR? Finding lower premiums on insurance is always challenging for consumers not familiar with buying insurance online. There are so many companies to choose from that it can turn into a lot of work to compare prices.
Consumers should take time to price shop coverage quite often since insurance rates change quite often. Even if you think you had the lowest rates for HHR coverage a couple years back you can probably find a lower rate today. So forget anything you know (or think you know) about insurance because we’re going to show you how to use the internet to save money, get proper coverage and the best rates.
The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Nevertheless, drivers can benefit by having an understanding of the way companies market on the web.
Lesser-known factors impacting Chevy HHR insurance rates
An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.
Listed below are some of the items car insurance companies consider when setting prices.
- Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
- With age comes lower rates – Teen drivers tend to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
- Multiple policies with one company can save – Some companies will award you with lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
- Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
- Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your Chevy HHR scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- How credit affects car insurance rates – Credit score is a important factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could save money insuring your 2008 Chevrolet HHR by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers with poor credit.
- Pleasure use or commuting – Driving more miles in a year the higher your rates will be. Most companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. An improperly rated HHR can cost quite a bit. Double check that your car insurance coverage properly reflects the proper vehicle usage.
- Having a spouse can save you money – Being married actually saves money on your policy. Having a spouse means you’re more responsible and it’s proven that drivers who are married are more cautious.
Cheap Car Insurance Comparisons
There are a lot of ways to compare car insurance prices but some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use the internet to get the quickest rates.
Most major companies belong to an insurance system where prospective buyers send in one quote, and every company returns a rated price for coverage. This eliminates the need for repetitive form submissions to each company.
To submit your quote information now, click here (opens in new window).
The only drawback to using this type of form is you are unable to specify the companies to get quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but be sure to compare identical quote information for each comparison quote. If you use different liability limits it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that getting more free quotes helps locate the best price.
Do you qualify for a discount?
Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time of purchase, but a few need to be specially asked for prior to getting the savings.
- No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
- Distant Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
- Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
- Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
It’s important to note that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.
For a list of companies with discount auto insurance rates, follow this link.
What coverages do I need?
When choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.
For example, these questions could help you determine whether you could use an agent’s help.
- Am I covered if I drive in a foreign country?
- How high should deductibles be on a 2008 Chevy HHR?
- Do I need PIP coverage since I have good health insurance?
- Should I drop comprehensive coverage on older vehicles?
- Should I put collision coverage on all my vehicles?
- What is the difference between comprehensive and collision coverage?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.
Information about specific coverages
Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for ambulance fees, rehabilitation expenses, pain medications, EMT expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Liability – This coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as attorney fees, legal defense fees and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Collision coverage – Collision insurance covers damage to your HHR from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with another moving vehicle, driving through your garage door, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
The bottom line
As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.
Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, policy non-renewal, high rates after DUI convictions and high prices. Whatever your reason, switching insurance coverage companies is easier than you think.
We just covered many ways to compare 2008 Chevy HHR insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a small mutual company.
More detailed insurance coverage information can be read at these sites:
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