Cheap Insurance Quotes for a Chevrolet Equinox in Florida

Our editors have a joke that when writing about auto insurance, the word affordable shouldn’t be used anywhere in the article. Be that as it may, cheap auto insurance for a Chevrolet Equinox can be hard, if not impossible, to find. But don’t let that discourage you, because we are going to tell you how you can still find and buy car insurance that fits into your budget.

The likelihood of finding affordable auto insurance for a Chevrolet Equinox in Florida depends on a whole bunch of factors such as whether you are a new or experienced driver, if you have a lapse in coverage, and if you have tickets or violations. Florida drivers pay approximately $1,280 annually to insure their Equinox, but that policy rate is a ballpark figure based upon a 40-year-old married female driver that purchased full coverage and $250 physical damage deductibles.

More than likely, you are not exactly 40 years old and possibly not even female, single instead of married, or maybe you have a violation on your driving record. Even a slight change in rating variables or coverage information can make a large difference in the cost of insurance for a Chevrolet Equinox.

Different coverage needs are the reason why the most reliable way to find the cheapest rates for your Chevrolet is to make a habit of regularly comparing rates from other companies. Do a quick rate comparison now and you will be able to see rates from the cheapest companies around.

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The trim level of your Equinox will be a contributing factor to the insurance rate, so the rate you pay to insure a Equinox LS 2WD trim level will be $130 less than the cost to insure the higher-end Equinox LTZ AWD model, as shown in the table below.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can alter coverage prices substantially.

Comparing quotes for budget auto insurance is not the easiest thing to accomplish, and finding out which insurers offer the lowest-priced car insurance rates for a Chevrolet Equinox will involve even more perseverance.

Every insurance provider has a unique approach for determining rates, so first let’s look at the rankings for the overall cheapest car insurance companies in Florida. It’s important to know that Florida car insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. That is why it is critical to take the time to shop around when trying to get the cheapest car insurance quotes for a Chevrolet Equinox. Rates are influenced by many different factors and can change substantially, so the most economical company the last time you shopped around may now not even be in the top five.

Cheapest Insurance Rates for Your Equinox

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USAA normally has some of the most affordable car insurance rates in Florida at around $957 each year. Electric, Amica, Progressive, and Allied would also make the list of some of the cheaper Florida car insurance companies.

In the above example, if you currently have coverage with Amica and switched to USAA, you may see an annual premium reduction of about $807. Florida drivers with Progressive may save as much as $890 a year, and Allied policyholders might lower prices by up to $969 a year.

Be aware that those premium estimates are averaged for all types of insureds and vehicles and are not factoring in a specific rate factor for a Chevrolet Equinox. So the auto insurance company that can offer you the lowest price may not even be featured in the rate chart shown above. That emphasizes why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Impact of citations and accidents on insurance rates

One of the best ways to get good car insurance prices in Florida for an Equinox is to be a careful driver and avoid accidents and traffic citations. The example below illustrates how violations and at-fault claims can influence insurance premiums for different age categories. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

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In the chart above, the average cost of auto insurance per year with no violations or accidents is $2,384. Get two speeding tickets and the average cost surges to $3,199, an increase of $815 each year. Then include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Chevrolet Equinox jumps again to an average of $4,021. That’s an increase of $1,637, or $136 per month, just for not driving attentively!

Cheapest car insurance: Progressive, State Farm, Allstate, or Geico

When researching car insurance, the most popular companies are Progressive, State Farm, Allstate, and Geico. They all have a little bit different set of discounts and options that shoppers can choose from. The following table compares and contrasts pricing and service ratings, plus some optional coverages offered by each company.

Find cheap insurance for a Chevrolet Equinox in Florida

Below you’ll find some thrifty solutions that can help drivers locate low-cost auto insurance.

• Improve your credit rating
• Save money by staying claim-free
• Accidents can significantly increase rates
• Raise deductibles
• Bundle home and auto and save
• Do not get traffic violations
• Compare rate quotes frequently

The final tip is especially necessary, as was discussed in this write-up. Auto insurance prices vary greatly, so don’t be tentative to switch carriers if a cheaper price is available.

Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you major coinage every year. In just a few minutes you could shop around and find cheaper car insurance for a Chevrolet Equinox.