How Much are Insurance Quotes for a Chevrolet Equinox in Hawaii?

Your chances of finding the best cheap auto insurance for a Chevrolet Equinox in Hawaii depends upon a whole bunch of rating criteria such as your gender, if you have ever let your coverage lapse, and the deductible amount you use. Drivers pay on average $820 per year to buy insurance for a Chevrolet Equinox, but that is a valuation that uses a 30-year-old married female driver with full physical damage coverage and $250 deductibles.

Most likely you aren’t exactly 30 years old or even a female, you might be single instead of married, or maybe you just want to insure for liability only. Auto insurance is not the same for everyone, so the most reliable method for finding affordable rates for your Chevrolet is to make a habit of comparing rates at every renewal.

Cheapest Chevrolet Equinox Insurance Rates

The trim level of your Equinox has an effect on the annual cost of coverage, so the price to insure a Equinox LS 2WD will be $86 less than the insurance cost for the higher-end Equinox LTZ AWD model, as shown in the chart below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease prices significantly.

Deciding which companies quote the lowest-priced insurance rates for a Chevrolet Equinox will take a little more work in order to find the lowest price.

Each insurer has their own process for determining rates in each state, so let’s look at the rankings for the insurance companies that tend to be cheaper in Hawaii. We do need to point out that Hawaii insurance rates are influenced by many factors that may substantially change the cost of a policy. Simply having another birthday, marrying your spouse, or getting a DUI may prompt premium changes resulting in some companies being more affordable than the competition.

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USAA offers some of the best car insurance rates in Hawaii at around $964 annually. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the best Hawaii insurance companies.

In the rate table above, if you currently buy coverage from Liberty Mutual and switched to State Farm, you might realize a yearly price reduction of in the vicinity of $373. Customers with Progressive may save as much as $548 a year, and First of Hawaii customers might lower prices by up to $871 a year.

To find cheap insurance for a Chevrolet Equinox in Hawaii for your vehicle, click here or quote prices from the following companies.

Be aware that those premiums are averages for all drivers and vehicles in Hawaii and and are not figured with a specific rating modification for a Chevrolet Equinox. So the company that is best suited for you may not even be shown in the above rate chart. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Accidents and violations increase rates

The easiest way to maintain cheap insurance for a Chevrolet Equinox in Hawaii is to be a safe driver and avoid accidents and traffic violations. The example below shows how traffic citations and at-fault accidents can increase auto insurance rates for each age group. The information is based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

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The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,706. Get written up for two speeding tickets and the average cost rises to $2,294, an increase of $588 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Chevrolet Equinox increases to an average of $4,378. That’s an increase of $2,672, or $223 per month, just for not being a responsible driver!

Full coverage rates vs. liability-only in Hawaii

Finding cheap insurance for a Chevrolet Equinox in Hawaii is the goal of most vehicle owners, and one of the fastest ways to save on the cost of insurance is to not insure for full coverage. The illustration below illustrates the difference between auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The data is based on no claims or violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3097,945],[‘Age 30’, 1603,523],[‘Age 40’, 1593,485],[‘Age 50’, 1447,453],[‘Age 60’, 1399,447],[‘Age 70’, 1695,595]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Equinox in Hawaii’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an overall average, full coverage costs $1,806 per year more than carrying just liability coverage. That is a big expense that brings up the question when is it a good idea to stop buying full coverage. There is no written rule for eliminating comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

Ideas for finding economical insurance for a Chevrolet Equinox

The list below summarizes some of the recommended money-saving solutions that can help Hawaii drivers get low-cost car insurance.

• Buy vehicles with good safety ratings
• Increase your credit score
• Higher deductibles save money
• Prevent price hikes by avoiding at-fault accidents
• Do not pay for comprehensive and collision coverage on older vehicles
• Tickets and violations raise rates
• Compare rates and switch if you can find a better deal

The last tip is certainly vital, as was emphasized in this write-up. Auto insurance prices fluctuate constantly, so don’t hesitate to change insurance companies if a cheaper rate is available.

Brand loyalty is great, but it’s not recommended if that dedication is costing thousands of dollars over the life of your policy. Take a couple minutes and compare prices to find cheaper insurance for a Chevrolet Equinox.