Why is insurance for a 2007 HHR almost $2000/yr.

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08-25-2020 | 09:36 AM

#21

Bonez

Senior Member

Joined: 04-06-2020

Posts: 920

From: Missouri

Quote:

Originally Posted by JJ_HHR

Why is my insurance so high? I have a 2007 HHR, KBB says it is valued at about $1800. My insurance is $1920/yr. I took a look at buying a Ford Pickup truck, the insurance was about $1500/yr. I was involved in a three-car accident, about 5 years ago. The causing driver ran. I had about $1000 damage. The second cars driver tried to file a claim against my policy, I told State Farm not to pay it. To my knowledge, they did not. After all the crash was not my fault. I have not had any citations for almost 23 years.

So why does it cost $400 more to insure a car worth $1800 than it does to insure a truck worth over $40,000? The agent's response was that the truck has more safety features. WTF? It makes no sense.

Any ideas?

-JJ

Just to make you feel better, ask about insuring a 2001 Dodge Neon... apparently theyre the worst in crash tests, so I was Raped for many years unknowingly thinking because it was brand new off the showroom floor fully loaded. After owning a few full sized dodge rams super cheap on insurance, I wanted a gas sipper, since I owned a neon before with excellent mpg I wanted another, when I called on insurance I got a wake up call... Im like I can kill/total out anything in that truck but the insurance is super cheap the neon wouldnt dent a soul why? Then I was informed the safety of each vehicle WOW. Now my HHR is less than my monthly payments and Im under $1000 year full coverage on the higher bracket coverage with low deductables.

08-25-2020 | 01:08 PM

#22

letterman7

Senior Member

Joined: 10-01-2018

Posts: 312

From: Downingtown, PA

Way too many factors. As others stated, credit rating, city/state ratings, multi-vehicle, driving record (your accident does count, even though you weren't at fault). Here in PA, full coverage - full tort - my '10LT panel is $1397 per year. My '068 Chevy 2500 is $463, but I don't drive it much. My wife's 08 Mini Cooper is $400 - because it isn't driven much (we both work from home, but the panel sees far more yearly mileage). Talk to your agent or shop it.

08-25-2020 | 01:43 PM

#23

RJ_RS_SS_350

Moderator

Joined: 05-01-2014

Posts: 8,174

From: California

Really, though JJ, after you pay your deductible, your insurance is only going to pay you a pittance. Any fender bender repair is likely to exceed the value of the car, it will be totaled, and they will pay you very little for the vehicle. Cancel the collision/comprehensive. It's your money, though, if you want to keep giving them money for nuthin', that's your choice. But if you're not even getting the chicks for free....

08-25-2020 | 02:50 PM

#24

Oldblue

Administrator

Joined: 10-13-2011

Posts: 37,843

From: Welland,Ont Canada

And moving those microwave ovens , refrigerators , oh my aching back!!

08-25-2020 | 03:05 PM

#25

RJ_RS_SS_350

Moderator

Joined: 05-01-2014

Posts: 8,174

From: California

Don't forget those color TVs!!

08-25-2020 | 04:06 PM

#26

Oldblue

Administrator

Joined: 10-13-2011

Posts: 37,843

From: Welland,Ont Canada

Ouch! Way to much work in this heat!

08-25-2020 | 10:02 PM

#27

sleeper

Platinum Member

Joined: 01-09-2007

Posts: 15,984

From: SE USA

Quote:

Originally Posted by RJ_RS_SS_350

Don't forget those color TVs!!

Except the flatscreens. my 55" weighs about 30 lbs if that.. And the pic quality is Awesome.

Now what it replaced was an old Tube type Toshiba. That had to weigh over 200 lbs..