Best Cheap Insurance Quotes for a Chevrolet Equinox in California

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” should never appear anywhere to describe car insurance prices. Be that as it may, cheap car insurance for a Chevrolet Equinox can be hard, if not impossible, to find. But don’t despair, because we are going to tell you how you can find and buy coverage that is cheaper than your current policy.

The chances of buying cheap auto insurance for a Chevrolet Equinox in California is contingent on many different factors such as if you are a renter or homeowner, your credit rating, and physical damage deductibles. California drivers pay an average rate of $1,390 a year for Equinox insurance, but that is a valuation using a 40-year-old single male driver who purchased both comprehensive and collision coverage and $500 physical damage deductibles.

There is a high probability that you are not 40 years old and maybe not even male, you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Every driver’s needs are different, and that is why the most reliable method for finding cheap insurance prices for your Chevrolet is to put in the effort and compare rates. Quotes are free and easy and you will receive price comparisons from some of the best insurers that insure Chevrolet vehicles in California.

Cheapest Chevrolet Equinox Insurance Rates

Your vehicle’s trim level impacts the annual cost of coverage, so the rate you will pay to insure a Equinox LS 2WD will be $128 cheaper than the price to insure the higher-end Equinox LTZ AWD trim level, as shown in the chart below.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can impact rates greatly.

Finding out which insurers offer the most affordable auto insurance rates for a Chevrolet Equinox will take a tad more effort than just comparing a company or two.

Each auto insurer uses different criteria for setting prices, so let’s examine the auto insurance companies that tend to be cheaper in California. Keep in mind that California auto insurance rates are determined by lots of factors that may substantially change the price you pay. Improving your credit rating, marrying your spouse, or having an accident can produce rate changes that can now make some companies cheaper than competitors.

Find the Best Cheap Insurance for Your Equinox

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USAA may offer some of the best car insurance rates in California at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheapest California auto insurance companies.

As shown in the rates above, if you currently buy coverage from CSAA and switched to USAA, you might realize an annual savings of roughly $79. California drivers with Nationwide may save as much as $107 a year, and 21st Century customers might see rate reductions of $223 a year.

To get a quick, customized rate comparison, click here to start your custom quote or quote rates from the companies below.

Be aware that those premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with a specific rate factor for a Chevrolet Equinox. So the auto insurance company that can offer the best rates for your situation may not even be included in the company chart above. That is why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Irresponsible driving raises your rates

The obvious way to maintain cheap auto insurance prices in California for an Equinox is to be a good driver and avoid accidents and violations. The example below highlights how traffic violations and at-fault claims can raise insurance premiums for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,832. Get written up for one speeding ticket and the average cost increases to $3,208, an increase of $376 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Chevrolet Equinox increases to an average of $4,276. That’s an increase of $1,444, or $120 per month, just for not driving carefully!

Allstate vs Progressive vs State Farm vs Geico

When buying insurance for an Equinox in California, four companies you’ll want quotes from are Allstate, Progressive, State Farm, and Geico. If you add them together, they insure 48.5% of the car insurance market in the United States. Each company has a little bit different set of discounts and options that you can choose from. The table below breaks down pricing and service ratings, plus some optional coverages that are available from each company.

How to find economical auto insurance for a Chevrolet Equinox

It’s not impossible to find cheaper rates, and here are some penny-pinching ideas that can help you find lower-cost car insurance.

• Good credit scores may lower your rates
• Avoid having at-fault accidents
• Bundle home or renters insurance to earn a discount on car insurance
• Save money by only buying liability coverage for older vehicles
• Safe vehicles cost less to insure
• Shop around for cheaper prices

That last idea is extraordinarily significant, as was pointed out in this article. Rates in California adjust often, so don’t be hesitant to switch companies if a lower-cost policy is available.

Having a favorite company is fine, but it’s not recommended if that loyalty results in overpaying hundreds every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for a Chevrolet Equinox.

Who has the cheapest Chevrolet Equinox insurance quotes?

Due to technology, there are many ways to compare auto insurance prices in California, but the most common ways are using an exclusive insurance agency like State Farm or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive. They all have the same basic principle, but buyers should know the differences in how they work.

Independent insurance agencies work with multiple companies and can get rate quotes from each one. They can quote with many companies and compare multiple rates, which may provide you with more bang for your buck. If they find a cheaper price, the agent simply finds a different carrier which prevents you from having to find a new agency.

An exclusive ageny is usually just provide rates from a single insurance company, two popular examples being Farmers Insurance or State Farm agents. Exclusive agents cannot give you multiple price quotes, so you might not find the best rates.

Drivers who opt to buy auto insurance direct skip an exlusive or independent agent and instead shop from a direct company like Progressive. Shopping direct may be preferred by families who have little risk and have a good understanding of what coverages, limits, and deductibles they need.

Which method is best to buy the best cheap insurance for a Chevrolet Equinox in California? It would be obvious to point out shopping direct saves the most money because there isn’t an agent involved, but that does not always hold true. An argument could also be made that buying auto insurance from an independent agent results in the best rates since there are more companies to choose from, but again, that’s not accurate. In a lot of cases, the exclusive agents may have very competitive prices that other auto insurance companies cannot touch.

Due to that fact that auto insurance uses so many rating variables, really the best method to not overpay for auto insurance is to obtain price quotes and compare them. Set aside the time to get prices from all three to have a good selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.