How Much is Insurance for a Chevrolet Equinox in Kansas?

Since we’re writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a Chevrolet Equinox is not easy to find. But don’t let that discourage you, because we are going to show you how you can still find coverage that may not be cheap, but it is affordable.

The chances of buying cheap coverage for a Chevrolet Equinox in Kansas is contingent on a calculation that uses factors like the amount of driving experience you have, if you have ever let your coverage lapse, and any past driving violations you may have had. Drivers pay on average $790 annually to insure a Chevrolet Equinox, but that price is an estimation using a 30-year-old married female driver who purchased full physical damage coverage and $500 policy deductibles.

There is a high probability that you are not 30 and maybe not even a female, maybe you are single instead of married, and there is a good chance that you need different coverage limits than the exampe. Having what appears to be a very minor change in rating variables could result in a significant change in policy price.

This illustrates why the best way to quote affordable rates for your Chevrolet is to quote often and with as many companies as possible.

Cheapest Chevrolet Equinox Insurance Rates

The trim level of your Chevrolet tends to impact price, so the price you will pay to insure a Equinox LS 2WD trim level will be $76 less expensive the cost to insure the fancier Equinox LTZ AWD trim level, as shown below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific zip code location which can change coverage prices considerably.

What is the best insurance company in Kansas?

Picking a high-quality insurer is hard considering how many different companies there are to choose from in Kansas. The ranking data shown next may help you pick which car insurance providers to look at buying from. These rankings are for large, nationwide insurance companies, so smaller regional companies will not be included in this list.

Top 10 Large Car Insurance Companies in Kansas Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Top 10 Large Car Insurance Companies in Kansas Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top Companies for Chevrolet Equinox Insurance in Kansas

Should you buy full coverage?

Finding cheap insurance for a Chevrolet Equinox in Kansas is the goal of most people, and one easy way to reduce the cost of insurance is to only pay for liability coverage. The diagram below compares insurance prices when comparing full coverage to liability only. The premium estimates are based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied.

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Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,786 per year over and above liability only. That touches on the question when is the right time to remove full coverage. There isn’t a written rule to delete physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s replacement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,500 after paying your policy deductible. If it’s costing in excess of $350 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

The example below highlights how deductible selection can impact yearly insurance costs when trying to find cheap insurance for a Chevrolet Equinox. The premiums assume a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3351,3053,2729,2423],[‘Age 30’, 1733,1593,1433,1275],[‘Age 40’, 1719,1571,1401,1241],[‘Age 50’, 1561,1429,1279,1137],[‘Age 60’, 1511,1383,1241,1103],[‘Age 70’, 1835,1687,1527,1375]]);var options = {title: ‘Impact of Deductible Levels on Chevrolet Equinox Insurance Rates in Kansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Equinox’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $282 a year by changing from a $100 deductible up to a $500 deductible, or save $424 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates as much as $928 or even more by choosing a higher deductible.

If you do decide to increase your deductibles, it will now be necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Geico, State Farm, Allstate, and Progressive: Who is best?

If you are shopping around for insurance for an Equinox in Kansas, the companies that insure more vehicles than anyone else are Geico, State Farm, Allstate, and Progressive. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that may steer you one way or another. The data below illustrates ratings for price and service, as well as some optional coverages that are available.