View 2017 Chevrolet Equinox Car Insurance Rates

Searching for better auto insurance rates for your Chevrolet Equinox? Having to pay for high-priced auto insurance can consume your family’s budget, especially in this economy. There is such a variety of car insurance companies to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Finding the best rates is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers only need to know how to find the lowest price over the internet.

Save money with these discounts

Some companies do not list every possible discount in an easy-to-find place, so the list below details some of the best known and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • Good Drivers – Insureds who avoid accidents may receive a discount up to 45% for Equinox coverage compared to accident prone drivers.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less since new vehicles have better safety ratings.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Memberships – Being a member of a qualifying organization can get you a small discount when getting a insurance quote.
  • Sign Early and Save – A few insurance companies give discounts for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small decrease in premiums for Equinox coverage.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for Equinox coverage depending on your company.
  • No Charge for an Accident – This one isn’t a discount, but some insurance companies allow you one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Driver Training Discounts – Completing a defensive driver class may get you a small discount if your company offers it.

Discounts lower rates, but many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

A list of companies and their possible discounts can be found below.

  • State Farm may offer discounts for multiple autos, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, good driver, and passive restraint.
  • American Family includes discounts for defensive driver, early bird, Steer into Savings, air bags, good driver, and bundled insurance.
  • Geico policyholders can earn discounts including air bags, anti-theft, anti-lock brakes, seat belt use, multi-policy, and multi-vehicle.
  • 21st Century offers premium reductions for student driver, air bags, homeowners, automatic seat belts, and driver training.
  • Progressive may have discounts that include multi-policy, homeowner, good student, multi-vehicle, and online signing.

When getting a coverage quote, ask every prospective company the best way to save money. Discounts may not be available in your area. If you would like to see a list of insurance companies that offer the discounts shown above, click here to view.

Shop insurance coverage online

Most major insurance companies give insurance quotes directly from their websites. Comparing prices online is fairly straightforward as all you need to do is type in your required coverages into the form. When the form is submitted, the system makes automated requests for credit information and your driving record and quotes a price based on these factors. Online price quotes makes it easy to compare insurance prices but having to visit many different websites and type in the same information can be a bit repetitive. But it’s also necessary to compare as many rates as possible in order to get better insurance coverage pricing.

The quickest way to locate the lowest prices requires only one form to return rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. Once the form is submitted, your coverage is rated and you can choose your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate your coverages as shown on your current policy. This way, you’re receiving a rate comparison based on identical coverages.

Find Chevy Equinox insurance more affordably

When buying insurance coverage it’s important to understand the different types of things that play a part in calculating your insurance coverage rates. If you have a feel for what determines base rates, this enables informed choices that can help you get lower insurance coverage prices.

  • Better drivers pay lower costs – Your driving citation history has a big impact on rates. Having a single driving citation may increase your cost by as much as thirty percent. Drivers who don’t get tickets get better rates as compared to those with violations. Drivers with severe violations like hit and run, DWI or reckless driving convictions might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
  • Allowing your insurance coverage policy to lapse raises insurance coverage rates – Driving your car without having proper coverage is not a good idea and companies may charge more for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you fines and jail time.
  • Raise your coverage deductibles for better premiums – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Some examples of claims that would be covered are a dented fender, flood damage, and having your car stolen. Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive for Equinox coverage.
  • Stay claim-free and lower premiums – Auto insurance companies provide most affordable rates to insureds who do not file claims often. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended for claims that you cannot pay yourself.
  • Optional features impact prices – Owning a car with a theft deterrent system can help lower your premiums. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
  • Costs impacted by your city – Residing in smaller towns and rural areas of the country can be a good thing when it comes to insurance coverage. Less people means fewer accidents in addition to lower liability claims People who live in big cities have to deal with more auto accidents and more severe claims. Spending more time driving means more chances of being involved in an auto accident.
  • Improve your credit rating and save – Having a bad credit score is a large factor in determining premium rates. People with high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit could use some work, you may save money insuring your 2017 Chevrolet Equinox if you clean up your credit.
  • Extra policy coverages you don’t need – There are many extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like coverage for rental cars, accident forgiveness, and membership fees are examples of these. The coverages may be enticing when buying your policy, but if they’re wasting money eliminate them to save money.

Insurance can be complex

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Do I need roadside assistance coverage?
  • Is motorclub coverage worth it?
  • What is medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 2017 Chevy Equinox is totaled?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads for the lowest price insurance coverage from the likes of 21st Century, Allstate and State Farm. They all convey the message that you’ll save big if you move to their company.

How does every insurance coverage company charge you a lower premium? You have to listen carefully.

Insurance coverage companies can use profiling for the type of driver that earns them a profit. A good example of this type of driver could be between the ages of 30 and 50, owns their home, and drives a vehicle with a low ISO rating. Any new insured that hits that “sweet spot” will probably get the lowest prices and will also save if they switch.

People who don’t qualify for this stringent profile must pay more expensive rates which translates to the prospect going elsewhere. The trick companies use is to say “drivers who switch” not “everyone who quotes” save that kind of money. That’s the way companies can truthfully make the claims of big savings. Different companies use different criteria so drivers must get price quotes at each policy renewal. Because you cannot predict the company that will be your best fit.

Car insurance policy coverages for a Chevy Equinox

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Collision coverages – Collision coverage covers damage to your Equinox resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Equinox.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from flooding and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability – Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, ambulance fees, hospital visits, chiropractic care and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

You just read quite a bit of information on how to shop for 2017 Chevy Equinox insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding inexpensive insurance. Drivers may discover the lowest auto insurance rates come from some of the smallest insurance companies. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as Geico and State Farm.

When getting insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

Much more information about car insurance can be read at the links below