Who Has Cheap Insurance Quotes for a Chevrolet Equinox in New Jersey?

Buying cheap auto insurance for a Chevrolet Equinox in New Jersey relies on a complex equation that considers factors like your age, the likelihood of your vehicle being stolen, and any prior driving offenses you have. New Jersey drivers will pay around $1,280 annually for Equinox insurance, but that amount is an approximation based on cost data for a 40-year-old married male who purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

It’s highly likely that you are not 40 years old and maybe not even male, possibly single instead of married, or maybe you live in a different part of New Jersey than the example. Even a slight difference in policy rating factors may result in significant differences in how much coverage for a Chevrolet Equinox costs.

There is no one cookie-cutter policy that works for everyone, so the best way to find the most affordable coverage for your Chevrolet is to take your time and compare rates from as many companies as possible.

Find Cheaper Chevrolet Equinox Insurance

The specific trim level will influence the yearly cost, so the price you pay to insure a Equinox LS 2WD trim level will be $120 cheaper than the insurance cost for the fancier Equinox LTZ AWD model, as shown in the table below.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can impact premiums considerably.

Establishing which companies quote the most affordable insurance rates for a Chevrolet Equinox will involve a little more sweat in order to find the best policy. Every auto insurer has a different formula for determining prices, so we need to take a look at the insurance companies that tend to be cheaper in New Jersey.

It’s a good idea to know that New Jersey insurance rates are calculated based on many things that can increase the cost of coverage. Simply turning a year older, buying higher coverage limits, or getting into an accident may cause policy rate changes that can now make some companies more affordable than before.

Best Auto Insurance Prices for Your Equinox

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21st Century normally has some of the most affordable car insurance rates in New Jersey at around $1,111 per year. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also make the list of some of the most economical New Jersey car insurance companies.

As the rates illustrate above, if you are insured with Palisades and switched to 21st Century, you might realize yearly savings of in the vicinity of $243. Policyholders with Penn National may save as much as $255 a year, and California Casualty policyholders might see rate reductions of $340 a year.

It’s important to note that these policy prices are averages for all insureds and vehicles and and are not calculated with a specific rate value for a Chevrolet Equinox. So the insurer that fits your age and vehicle best may not even be shown in the above rate chart. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.

Discounts on New Jersey car insurance

Insurers that provide cheap insurance for a Chevrolet Equinox in New Jersey may provide discounts that could reduce prices by 25% or more if you meet eligibility requirements. Companies and some of the discounts are shown below.

• State Farm may have discounts that include driver’s education, multiple autos, accident-free, good driver, Steer Clear safe driver discount, and Drive Safe & Save.
• GEICO has savings for federal employee, multi-policy, seat belt use, military active duty, anti-theft, five-year accident-free, and emergency military deployment.
• Allstate offers discounts including economy car, premier plus, passive restraint, anti-theft, and multi-policy.
• SAFECO may offer discounts for drive less, safe driver, anti-lock brakes, multi-car, teen safe driver, and homeowner.
• Farm Bureau policyholders can earn discounts including safe driver, driver training, good student, 55 and retired, youthful driver, and renewal discount.
• Progressive discounts include multi-policy, online quote discount, homeowner, multi-vehicle, and good student.
• AAA may include discounts for good student, anti-theft, pay-in-full, multi-car, AAA membership discount, and education and occupation.

The diagram below visualizes the comparison of auto insurance costs with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, passive restraint, safe-driver, accident-free, homeowner, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Chevrolet Equinox is 28% or $764.

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Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

When buying insurance for an Equinox in New Jersey, four of the larger companies to compare rates for are State Farm, Geico, Allstate, and Progressive. They all have different options that drivers can select from. The following table rates ratings for price and service, as well as some optional coverages that are available from each company.