Cheapest Insurance for a Chevrolet Equinox in North Dakota

Your chances of finding cheaper auto insurance for a Chevrolet Equinox in North Dakota hinges on a very complex rating algorithm that uses multiple factors such as annual miles driven, if you have ever had a gap in coverage, and blemishes on your driving record. Drivers pay around $1,180 every 12 months for Equinox insurance, but that rate is a valuation based on rates for a 30-year-old single female driver that purchased full coverage including both comprehensive and collision and $250 physical damage deductibles.

Odds are that you are not 30 and possibly not even female, you might be married instead of single, or maybe you rent instead of own your home. This demonstrates why your best shot at finding the cheapest insurance price for your Chevrolet is to get into the habit of comparing rates once a year.

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Vehicle trim level will have an impact the annual cost of coverage, so the rate you pay to insure a Equinox LS 2WD model will cost $122 less than the price to insure the fancier Equinox LTZ AWD trim level, as shown in the table below.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in garaging location in North Dakota which can influence auto insurance rates greatly.

Comparing quotes for low-priced auto insurance is challenging, and finding out which companies offer the best car insurance rates for a Chevrolet Equinox calls for a little more work. Each auto insurer uses a little different formula for determining rates, so first we will examine the car insurance companies that tend to have lower prices in North Dakota.

It’s a good idea to be aware that North Dakota car insurance rates are impacted by many factors that may substantially change the price you pay. This price fluctuation is why drivers need to spend some time comparing rates to get the most affordable auto insurance rates for a Chevrolet Equinox. Car insurance prices are influenced by many things and can increase or decrease at any time, so the best company the last time you shopped around may now be wasting a lot of money.

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USAA may offer some of the cheapest car insurance rates in North Dakota at around $725 a year. Allied, Nodak Mutual, Grinnell, and Safeco also are some of the best North Dakota auto insurance companies.

In the rate table above, if you are a policyholder with Grinnell and switched to Allied, you may realize annual savings of around $107. Policyholders with Safeco might save as much as $213 a year, and State Farm insureds might realize rate reductions of up to $233 a year.

These policy prices are averages across all ages of drivers and types of vehicles and and are not figured with a specific rating modification for a Chevrolet Equinox. So the car insurance company that can offer you the best price may not even be included in the list of companies above. That is why you need to compare as many prices as possible using your own individual information.

Cautious North Dakota drivers save money

In a perfect world, the ideal way to score the cheapest insurance for a Chevrolet Equinox in North Dakota is to pay attention while driving and avoid accidents and keep your driving record clean. The diagram below demonstrates how citations and at-fault fender-benders influence insurance premiums for each age group. The rates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

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In the previous chart, the average cost of auto insurance in North Dakota per year with no violations or accidents is $1,757. Factor in one speeding ticket and the average cost rises to $2,014, an increase of $258 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Chevrolet Equinox goes up to an average of $4,188. That’s an increase of $2,431, or $203 per month, just for not driving carefully!

How to find more affordable insurance for a Chevrolet Equinox

It is possible to find better rates, and here are some of the recommended thrifty solutions that can help North Dakota drivers buy cheap auto insurance.

• Do not get tickets
• Higher credit scores may earn you cheaper rates
• Get cheaper liability coverage by choosing a safer vehicle
• Avoid price increases by not filing claims
• Staying accident-free helps keep rates low
• Comparison shop at least once a year

That last tip is remarkably crucial, as we stressed in this article. Coverage rates in North Dakota fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if you can save money.

Having brand loyalty is commendable, but it isn’t a good idea if it’s costing you a wad of cash every year. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Chevrolet Equinox.

Cheap Chevrolet Equinox insurance quotes

Due to technology, there are many ways to get cheap car insurance quotes in North Dakota, but the most prevalent are through an independent insurance agent, an exlusive agent like State Farm or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but each is different in how they provide price quotes.

Independent agents have contracts with multiple insurance companies and can provide price quotes from all of them. They have the freedom to get prices from more than one company, which may give you the best idea of how your rates compare. If prices rise, they simply move your policy to a different company and you do not have to find a new agent.

Exclusive agents are restricted to quoting rates for one insurance company, two examples are a Liberty Mutual or State Farm agent. Exclusive agents cannot shop your coverage around, so you will not be able to compare other companys’ rates.

When you buy car insurance direct, you skip an independent or exclusive agent and instead buy from a direct company like Progressive or Esurance. Buying car insurance direct is a good choice for drivers who do not have a need for a risk management assessment and have a good understanding of the limitations of car insurance.

What is the best way for finding the cheapest insurance for a Chevrolet Equinox in North Dakota? Our initial answer would be buying from a direct company results in the best prices since there is no middleman, but that generally is not the case. And we’d like to say using an independent agent results in the best rates since there are more companies to choose from, but again, it’s not a sure thing. In some circumstances, exclusive agencies have really good rates that are the cheapest.

Due to the fact that car insurance rates vary so much, really the only way to buy the cheapest policy is to compare lots of quotes. Put in the effort to get prices from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.