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

The chances of buying cheaper coverage for a Chevrolet Equinox in Wisconsin is dependent upon a whole bunch of rating criteria like whether you are a new or experienced driver, if you have a tendancy to file claims, and if you had any at-fault accidents in the last few years. Wisconsin drivers on average pay approximately $740 each year for Equinox insurance, but that price is a ballpark figure calculated based on a 50-year-old single male that wants both comprehensive and collision coverage and $250 deductibles.

There is a good possibility you aren’t exactly 50 years old or even a male, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. Making even small differences in rating criteria can make a large difference in the coverage rate.

Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance prices for your Chevrolet is to just take the time to compare rates yourself.

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Your Chevrolet’s trim level tends to impact the annual cost of coverage, so the price you will be charged to insure a Equinox LS 2WD will be $76 cheaper than the cost to insure the higher-priced Equinox LTZ AWD version, as shown by the rates below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can influence insurance rates significantly.

Finding decent, low-priced insurance is not the easiest thing to do, and finding out which insurers offer the cheapest insurance rates for a Chevrolet Equinox will involve even more work.

Each auto insurer uses their own method to determine premium rates, so first let’s look at the rankings for the insurance companies with the most affordable rates in Wisconsin. It’s a good idea to know that Wisconsin insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Improving your financial situation, buying another vehicle, or getting a speeding ticket may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.

Best Insurance Companies for Your Equinox

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USAA generally has some of the cheapest car insurance rates in Wisconsin at around $586 per year. Partners Mutual, Rockford Mutual, Erie, and Pekin Insurance are also some of the best Wisconsin auto insurance companies.

As shown in the rates above, if you are a customer of Erie and switched to Partners Mutual, you could realize annual savings of in the vicinity of $92. Policyholders with Pekin Insurance might save as much as $120 a year, and Rural Mutual Insurance policyholders might reduce rates by $124 a year.

To compare your rates to other Wisconsin insurance companies, click here to start your custom quote or click through to the companies below.

Be aware that those premium estimates are averaged across all drivers and vehicles in Wisconsin and do not take into consideration a specific rating modification for a Chevrolet Equinox. So the insurer that can offer you the lowest price may not even be included in the list of companies above. That point stresses why you need to compare rates from multiple companies using your own individual information.

The diagram below illustrates how your deductible choice can raise or lower yearly insurance costs when quoting cheap insurance for a Chevrolet Equinox. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could cut expenses by $266 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $398 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could shave $872 each year by choosing larger deductibles on their policy. When using a larger deductible, it will be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Company comparison: Geico vs Progressive vs State Farm vs Allstate

When shopping around for auto insurance, four of the larger companies to compare rates for are Geico, Progressive, State Farm, and Allstate. Combined they insure 48.5% of the entire U.S. market share. The data below points out some of the different features that are available for buyers.

How to get cheap insurance for a Chevrolet Equinox in Wisconsin

The list below details a few thrifty ideas that can help Wisconsin drivers locate more affordable car insurance.

• Improve your credit score
• Raise your physical damage coverage deductibles
• Lower rates by purchasing a safer vehicle
• Avoid getting citations and tickets
• Accident-free drivers may qualify for discounts
• Remove physical damage coverage on older vehicles
• Compare prices frequently to find the best deal

The last item on the list is especially crucial, as was stressed in the article above. Car insurance prices change a lot, so don’t be hesitant to change to a new company if you can find a cheaper rate.

Staying with the same car insurance company is fine, but we do not recommend it if it’s costing you a lot of money. Spend a few minutes and shop around to find cheaper insurance for a Chevrolet Equinox.

Who has the cheapest Chevrolet Equinox insurance quotes?

Drivers have a lot of ways to quote cheap insurance rates in Wisconsin, but the most frequently used methods are using an exclusive insurance agent such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct from companies such as Progressive or Geico. They all have the same end result, but they are slightly different in how they provide rate quotes.

Independent agencies work with multiple companies and can get rate quotes from each one. These agents do not write with just one company and can provide you with more rate quotes, which may give you a better chance of finding cheaper coverage. If they find a cheaper price, your policy is moved internally and that require little work on your part.

Exclusive agencies are usually just provide rates from just one company, two of the more popular are Farmers Insurance or State Farm agents. These agents usually cannot compare other company’s rates, which will not provide a complete price comparison.

Buying direct means you do not use either of the other two types of agents and instead buy from a direct company like Esurance or Geico. This insurance option may be preferred by families who do not have complex finances and have a good understanding of how insurance works and possible exclusions.

What is the best way for finding cheap insurance for a Chevrolet Equinox in Wisconsin? We would first guess that buying from a direct company yields the cheapest rates since no commissions are paid to an agent, but in reality, that argument does not hold true. An argument could also be made that an independent agency guarantees the lowest rates since there are more companies to choose from, but that assumption is also not accurate. And occasionally, exclusive agents have coverage prices that other companies cannot beat.

Since insurance prices are based on many different factors, the only true way to get the lowest rate is to get quotes and compare. We recommend you get price quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.