Compare Car Insurance Rates for a Chevy Equinox

Buyers have many options when searching for the lowest priced Chevy Equinox insurance. They can either waste time driving around getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage for your Chevy and obtain the best price possible either online or from local insurance agents.

You should take the time to shop coverage around quite often since rates change regularly. Just because you found the best price for Equinox coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Chevy Equinox insurance rates have many determining factors

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

The list below includes a partial list of the pieces car insurance companies consider when setting prices.

A clean driving record saves money – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
Don’t skimp on liability – Liability insurance provides coverage if you are found liable for damages from an accident. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Keep rates low by being claim-free – Auto insurance companies provide lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Rural vs Urban Areas – Choosing to live in less populated areas has it’s advantages when talking about car insurance. Lower population translates into fewer accidents and a lower car theft rate. Drivers in populated areas have congested traffic and much longer commute distances. More time commuting can result in more accidents.
Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, business owners and financial analysts tend to have higher average rates due to high stress and lengthy work days. Conversely, occupations such as pilots, engineers and performers receive lower rates for Equinox coverage.
Clean credit earns discounts – Credit rating is a big factor in determining what you pay for car insurance. Consumers who have good credit tend to be less risk to insure than drivers who have lower ratings. So if your credit can use some improvement, you could pay less to insure your Chevrolet Equinox by improving your rating.

Car Insurance Prices Online

There are several ways you can shop for car insurance and some are easier and takes less work. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the web to quickly compare rates.

Most car insurance companies participate in an industry program that enables customers to complete one form, and each participating company provides a quote based on that information. This saves time by eliminating repetitive form submissions for every car insurance company.

To enter your information into the quoting system, click here to open in new window.

The one downside to comparing rates this way is you are unable to specify the companies you will receive quotes from. So if you prefer to pick specific providers for rate comparison, we have assembled a list of car insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using identical coverages for each price quote. If you use different liability limits then you won’t be able to determine the lowest rate for your Chevy Equinox.

Can you really save $457 a year?

Consumers can’t get away from ads for cheaper car insurance by State Farm and Allstate. They all say the same thing of big savings after switching to their company.

How do they all claim to save you money?

Different companies can use profiling for the driver that earns them a profit. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies. insurance prices

Potential insureds who do not match the “perfect” profile will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make those claims. This emphasizes why you absolutely need to get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

You probably qualify for some discounts

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.
Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20% or more.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To choose companies who offer car insurance discounts, click this link.

Your insurance agent down the street

Some people prefer to buy from a licensed agent and that is OK! Good agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still choose a local agent.

To help locate an agent, after submitting this short form, the quote information gets sent to companies who will battle for your coverage. You won’t need to leave your house as quotes are delivered immediately to your email address. Now that’s easy!

Picking an insurer should depend on more than just a low price. Any agent should have no problem answering these questions:

How are claims handled?
Which company do they place the most coverage with?
If your car is totalled, how to they determine the replacement cost?
What insurance companies do they recommend if they are an independent agent?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Will your rates increase after a single accident?
What are the financial ratings for the companies they represent?
Do they have any clout with companies to ensure a fair claim settlement?

Two types of auto insurance agents

When searching for a good insurance agency, you need to know there are two types of insurance agents from which to choose. Agencies are either captive or independent. Both do a good job, but it’s worth learning the differences since it may influence your agent selection.

Captive Insurance Agents

Captive agencies have only one company to place business with and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. They are very knowledgeable in insurance sales which can be an advantage. Consumers frequently buy insurance from these agents primarily because of high brand loyalty and strong financial ratings.

Independent Agents

These agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, we recommend you include multiple independent agents to ensure the widest selection of prices.Most can insure with smaller regional carriers who may have lower rates.

For a full directory of car insurance agents, visit this site.

After getting positive feedback for all questions you ask and an affordable coverage quote, it’s possible that you found an auto insurance agent that is a good match to properly insure your vehicles.

Insurance agents can help

When choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine if your situation will benefit from professional help.

Is a new car covered when I drive it off the dealer lot?
Should I buy only the required minimum liability coverage?
Do I benefit by insuring my home with the same company?
Do I really need UM/UIM coverage?
Do I get a pro-rated refund if I cancel my policy early?
When does my teenage driver need to be added to my policy?
How can I get high-risk coverage after a DUI?
Does having multiple vehicles earn me a discount?
Is my custom paint covered by insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Quote often and quote early

Consumers switch companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter what your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured cut collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Affordable Chevy Equinox insurance can be bought on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.