Cheap Insurance Quotes for a Chevrolet Equinox in Oregon

Our editors always tell us that when writing about car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance rates. Unfortunately, cheap car insurance for a Chevrolet Equinox is almost non-existent. Don’t get your dauber down, because there may be ways you can still get insurance that is cheaper than your current policy.

The chances of buying affordable auto insurance for a Chevrolet Equinox in Oregon depends on lots of different factors such as whether or not you own a home, whether or not you are currently insured, and any driving offenses on your record. Drivers pay approximately $1,250 annually to insure a Chevrolet Equinox, but that figure is an estimation using rating data for a 30-year-old single male driver who needs full comprehensive and collision coverage and $100 deductibles.

But there is a good chance that you’re not a 30-year-old male, married instead of single, or you want lower deductibles. Auto insurance requires individual risk assessment, so the way we recommend to find the cheapest insurance price for your Chevrolet is to put in the effort and compare rates.

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The trim level of your vehicle can impact the cost of coverage, so the rate you will pay to insure a Equinox LS 2WD will be $130 less than the price to insure the more costly Equinox LTZ AWD trim level, as shown in the chart below.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific Oregon garaging location which can affect prices substantially.

Buying coverage from a high-quality auto insurance company is hard considering how many different companies there are to choose from in Oregon. The information listed below can help you select which car insurance companies you want to consider when insurance shopping for a Chevrolet Equinox.

The rankings below are only comprised of the largest companies in America, so companies that only write business in Oregon or surrounding areas are not factored into the list. To get rate quotes from these and other competitive companies, follow this link.

Cautious Oregon drivers save money

In a perfect world, the best way to score cheap car insurance rates in Oregon for an Equinox is to drive safe and not receive tickets or have accidents. The chart below highlights how traffic violations and at-fault accidents can raise insurance costs for each age group. Data assumes a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2385,3095,3809],[‘Age 30’, 1677,2383,3095],[‘Age 40’, 1653,2365,3077],[‘Age 50’, 1449,2157,2875],[‘Age 60’, 1381,2093,2805],[‘Age 70’, 1483,2195,2905]]);var options = {title: ‘Impact of Tickets and Accidents on Oregon Chevrolet Equinox Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Equinox in Oregon’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of an auto insurance policy in Oregon per year with a clean driving record and no accidents is $1,671. Add in two speeding tickets and the average cost surges to $2,381, an increase of $710 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Chevrolet Equinox increases to an average of $3,094. That’s an increase of $1,423, or $119 per month, just for not keeping your driving record clean!

Why you should be shopping around

Oregon car insurance rates are determined by lots of factors that can increase your annual premium. Simply improving your credit, getting divorced, or getting into an accident can cause premium changes that may make certain companies more affordable than others.

In addition to those changes, insurance companies modify rates at least once a year in order to protect their financial rating. A period of higher than normal claims may cause more expensive premiums, while lower claim levels can cause more affordable Equinox insurance rates.

To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Oregon for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we estimate rates based on her personal profile, Grange offers the lowest car insurance rates in Oregon at $687 each year. This is $791 less than the average price paid by Oregon drivers of $1,478. Oregon Mutual, Country, USAA, and Travelers also make the list of the best Oregon auto insurance companies.

google.charts.setOnLoadCallback(drawORWitcqcibChart);function drawORWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Grange’, 687, ‘#659500’],[‘Oregon Mutual’, 828, ‘#547C00’],[‘Country’, 831, ‘#466700’],[‘USAA’, 941, ‘#3A5500’],[‘Travelers’, 952, ‘#304600’]]);var options = {title: ‘Best Cheap Car Insurance for a Chevrolet Equinox’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1052,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver from the above example a claim surcharge, a little lower credit rating, and a stop sign violation. Because each company has a unique formula for establishing rates, analyzing rates may result in a different set of companies as shown below.

google.charts.setOnLoadCallback(drawORWcqcibChart);function drawORWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1258.4, ‘#F57E00’],[‘Amica’, 1274.9, ‘#CC6900’],[‘Allied’, 1323.3, ‘#AA5700’],[‘Oregon Mutual’, 1324.8, ‘#8D4800’],[‘Country’, 1329.6, ‘#753C00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1429.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the lowest price on auto insurance in Oregon with Amica, Allied, Oregon Mutual, and Country now being in the top five. This example demonstrates why consumers need to spend some time comparing rates to get cheap auto insurance quotes for a Chevrolet Equinox.

Prices are determined by many risk factors and can increase or decrease at any time, so the best option six months ago may now be one of the higher cost companies.

Ideas to find economical insurance for a Chevrolet Equinox

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

• Home or renters coverage can save on auto insurance
• Buy a safer vehicle
• Speeding tickets and other violations increase rates
• At-fault accidents can raise rates significantly
• Do not file small claims
• Compare quotes from other companies often

The last tip is extraordinarily vital, as was affirmed in this piece. Auto insurance prices fluctuate considerably, so don’t hesitate to switch to a new company if a cheaper rate is available.

Having brand loyalty is commendable, but it’s not a great idea if your bullheadedness ends up costing you thousands of dollars over several years. Now is a great time to compare prices and find cheaper insurance for a Chevrolet Equinox.