Cheapest Insurance Quotes for a Chevrolet Equinox in Georgia

Our editors keep telling us that when writing about auto insurance, the words “affordable” or “cheap” should not be used as a descriptor for auto insurance rates. The fact is, cheap car insurance for a Chevrolet Equinox can be extremely hard to find. But don’t despair, because we are going to show you how you can still find and buy auto insurance that is cheaper than what you have now.

Whether or not you can find the best cheap coverage for a Chevrolet Equinox in Georgia relies on a complex formula that factors things such as whether or not you own a home, your credit status, and violations on your driving record. Drivers on average pay around $990 annually for Equinox insurance, but that is a ballpark figure using cost data for a 50-year-old single male driver that has comprehensive and collision coverage and $1,000 physical damage deductibles.

There’s a high likelihood you are not a 50-year-old male, possibly married instead of single, or maybe you need higher liability limits than the state minimum. What people think is a minor change in policy rating criteria or coverages may result in a big change in the cost of insuring your Equinox.

The different assumptions illustrate why the best way to quote cheap insurance prices for your Chevrolet is to make a habit of comparing rates at every renewal.

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The specific model of Equinox tends to have a direct effect on the insurance rate, so the price you pay to insure a Equinox LS 2WD will be $80 less expensive the cost to insure the higher-end Equinox LTZ AWD trim level, as shown in the chart below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in garaging location in Georgia which can change prices substantially.

Ending up with the best company can be a challenge considering how many different companies there are to choose from in Georgia. The rank data listed below could help you choose which auto insurers you want to consider shopping your coverage with.

The ratings below only include large, nationwide insurance companies, so companies that have a smaller presence are not included in these rankings. If you wish to compare prices from these companies and more, simply click here.

Top 10 Major Auto Insurance Providers Overall in Georgia

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Major Auto Insurance Providers in Georgia Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top Companies for Chevrolet Equinox Insurance in Georgia

The information below demonstrates how deductible levels can affect premium costs when getting quotes for cheap insurance for a Chevrolet Equinox. The rates are based on a married female driver, full physical damage coverage, and no discounts are applied.

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In the chart above, a 30-year-old driver could lower rates by $436 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices up to $930 or even more just by choosing higher deductibles. If you make the decision to raise deductibles, it will be important to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Safe drivers pay less for car insurance

In a perfect world, the ideal way to score the most affordable car insurance rates in Georgia for an Equinox is to pay attention while driving and avoid accidents and keep your driving record clean. The diagram below shows how violations and at-fault claims can impact insurance prices for each different age group. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

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’, 4573,5447,6325],[‘Age 30’, 2365,3241,4117],[‘Age 40’, 2345,3219,4099],[‘Age 50’, 2133,3005,3883],[‘Age 60’, 2061,2935,3811],[‘Age 70’, 2499,3373,4251]]);var options = {title: ‘Impact of Citations and Accidents on Georgia 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 Georgia’,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);}

The data above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,663. Get written up for two speeding tickets and the average cost surges to $3,537, an increase of $874 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Chevrolet Equinox goes up to an average of $4,414. That’s an increase of $1,752, or $146 per month, just for being a little careless behind the wheel!

Best rates: State Farm, Geico, Allstate, or Progressive

If you want reliable insurance for an Equinox in Georgia, four companies to consider are State Farm, Geico, Allstate, and Progressive. When added together, they make up nearly half of all policies written. All offer liability and physical damage insurance, but each one has a distict selection of optional coverages and features that shoppers can choose from. The table below points out some of the different features that are available.