How Much Does Insurance Cost for a Chevrolet Equinox in Iowa?

When writing about shopping for auto insurance, the word “cheap” should never appear anywhere to describe car insurance rates. It’s a simple fact that cheap car insurance for a Chevrolet Equinox can be extremely hard to find. We’ll try to make it up to you, because we will teach you how you can still get car insurance that is cheaper than what you have now.

The likelihood of finding cheap coverage for a Chevrolet Equinox in Iowa depends on many different factors such as whether you are married, your claims history, and your driving record. Iowa drivers will pay on average $980 every 12 months for Equinox insurance, but that amount is a ballpark figure that uses rate data for a 30-year-old single male that wants full coverage and $100 physical damage deductibles.

There is a high probability that you are not a 30-year-old male, you might be married instead of single, and you need different coverage limits than the sample rates. Having even a minor difference in policy rating variables may result in a big change in the policy cost.

Everyone has different rating factors, so the best way to find cheap insurance prices for your Chevrolet is to shop your policy around every couple of years.

Insure Your Chevrolet for Less

The trim level of your vehicle can impact the annual cost of coverage, so the price you will be charged to insure a Equinox LS 2WD will be $100 less than the price to insure the higher-end Equinox LTZ AWD version, as shown in the table below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in specific zip code location which can modify price quotes noticeably.

Figuring out which company quotes the cheapest car insurance rates for a Chevrolet Equinox involves a little more work in order to find the most economical policy. Each auto insurance company has a unique approach to set policy rates, so let’s examine the overall cheapest car insurance companies in Iowa.

Find Cheaper Auto Insurance for Your Equinox

Compare Rates and Save

USAA normally has some of the cheapest car insurance rates in Iowa at around $683 a year. Partners Mutual, Western National, Allied, and Hastings Mutual are also some of the cheapest Iowa auto insurance companies.

In the above example, if you are a policyholder with Allied and switched to USAA, you could see an annual premium reduction of around $104. Policyholders with Hastings Mutual could save as much as $197 a year, and Nationwide customers might lower prices by up to $233 a year.

To discover how much you can save, click here to get a free quote or visit any of the companies below.

It’s important to note that these prices are averaged for all types of insureds and vehicles and and are not figured with a specific rate factor for a Chevrolet Equinox. So the insurer that is best suited for you may not even be shown in the list above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Responsible drivers pay cheaper Iowa car insurance rates

A great way to obtain the most affordable car insurance prices in Iowa for an Equinox is to be a safe driver and avoid traffic citations and accidents. The example below illustrates how violations and accidents impact insurance premiums for different ages of insureds. The information is based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.

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In the prior example, the average cost of auto insurance in Iowa per year with no accidents and a clean driving record is $1,440. Add in two speeding tickets and the average cost rises to $2,053, an increase of $613 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Chevrolet Equinox increases to an average of $4,147. That’s an increase of $2,708, or $226 per month, just for being a careless driver!

Find cheap insurance for a Chevrolet Equinox in Iowa

Here are some thrifty suggestions that can help you buy the cheapest auto insurance.

• Bundle home and auto and save
• Higher deductibles save money
• If possible, pay for small claims out-of-pocket
• Save money by observing traffic laws and speed limits
• Good credit can save money
• Accident-free drivers may qualify for discounts
• Shop around for cheaper prices often

That last piece of advice is especially critical, as we hit on in the prior information. Insurance prices in Iowa can change significantly in a year, so don’t be hesitant to change insurance companies if a cheaper rate is available.

Having brand loyalty is commendable, but it’s not a good idea if it’s costing you hundreds every year. In less than five minutes you could compare prices to find cheaper car insurance for a Chevrolet Equinox.