Cheap Insurance Quotes for a Chevrolet Equinox in Ohio

Our editors always tell us that when writing about auto insurance, the words cheap or affordable should not appear anywhere in the article. Despite the oxymoron, cheap car insurance for a Chevrolet Equinox is just plain contradictory. But don’t despair, because we can show you some ways you can still get car insurance that is cheaper than what you have now.

Finding the best cheap insurance for a Chevrolet Equinox in Ohio depends upon a lot of rating criteria like whether you are male or female, the likelihood of vehicle theft, and physical damage deductibles. Drivers pay on average $760 per year to insure their Equinox, but that rate is based upon a 40-year-old married female who needs full comprehensive and collision coverage and $100 policy deductibles.

More likely than not, you are not exactly 40 years old and possibly not even female, possibly single instead of married, and maybe you want different deductibles. Even a minor change in policy rating factors can result in big changes in the cost of insurance for a Chevrolet Equinox.

Everyone has unique insurance needs, and this illustrates why your best shot at finding cheap insurance prices for your Chevrolet is to shop around at every renewal for lower rates. Get a free quote now and you will be able to see rates from top-rated car insurance companies around.

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Your Chevrolet’s trim level will be a contributing factor to the cost of insurance, so the rate you pay to insure a Equinox LS 2WD model will be $84 less than the cost to insure the high end Equinox LTZ AWD trim level, as shown in the prices below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in Ohio location which can alter premium rates substantially.

Choosing the best car insurance company is difficult considering how many companies sell coverage in Ohio. The information shown next may help you decide which car insurance providers to look at when trying find the best insurance for a Chevrolet Equinox.

The ratings below include major nationwide insurance companies, so companies that focus mainly on Ohio business are not taken into consideration for this list. To get rate quotes and find the cheapest rates for a Chevrolet Equinox, follow this link.

How accidents and violations affect rates

The easiest method to enjoy cheap insurance for a Chevrolet Equinox in Ohio is to drive carefully and avoid tickets and accidents. The illustration below illustrates how violations and at-fault collisions influence insurance costs for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

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 Two Accidents’],[‘Age 20’, 1705,2211,4005],[‘Age 30’, 1199,1707,3499],[‘Age 40’, 1183,1691,3483],[‘Age 50’, 1039,1547,3339],[‘Age 60’, 989,1499,3289],[‘Age 70’, 1067,1573,3363]]);var options = {title: ‘Effect of Tickets and Accidents on Ohio 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 Ohio’,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);}

In the previous example, the average cost of an auto insurance policy in Ohio per year with no accidents or violations is $1,197. Get written up for two speeding tickets and the average cost surges to $1,705, an increase of $508 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Chevrolet Equinox jumps again to an average of $3,496. That’s an increase of $2,299, or $192 per month, just for not paying attention while driving!

Get discounts on Ohio auto insurance rates

Car insurance companies that sell cheap insurance for a Chevrolet Equinox in Ohio may provide policy discounts that could potentially reduce rates by 40% or more if you are eligible. Companies and some of their more popular discounts include:

The diagram below shows the comparison of auto insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no claims or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, multiple vehicle, homeowner, defensive driving course, passive restraint, and claim-free discounts applied. When discounts are factored in, the the average yearly reduction on insurance for a Chevrolet Equinox is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1989,1435],[‘Age 30’, 1377,999],[‘Age 40’, 1275,929],[‘Age 50’, 1119,813],[‘Age 60’, 1083,785],[‘Age 70’, 1259,911]]);var options = {title: ‘Insurance Premium Comparison for a Chevrolet Equinox’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Equinox’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Tips for finding economical car insurance for a Chevrolet Equinox

It is possible to find better rates, and here are many money-saving ideas that can help you quote the cheapest coverage.

• Higher credit ratings may save you money
• Earn a discount by not filing claims
• Save money by insuring your home and auto with the same company
• Vehicles with good safety ratings are usually cheaper to insure
• Do not waste money insuring older vehicles for full coverage
• Raise comprehensive and collision coverage deductibles
• Compare rates often to find the best deal

The last idea is extraordinarily important, as was noted in this write-up. Auto insurance prices change frequently, so don’t be unwilling to change to a new company if a lower price can be found. We understand brand loyalty, but it’s not recommended if that stubbornness costs you a fortune every year. If you have a few minutes, compare rates and find cheaper insurance for a Chevrolet Equinox.

Which car insurance company is best?

When researching insurance for an Equinox in Ohio, the companies that insure more vehicles than anyone else are State Farm, Allstate, Geico, and Progressive. If you combine them together, they insure over 48% of all car insurance policies in America. The following table shows price and claims rank as well as some different options shoppers can find with each company.

Who has the cheapest Chevrolet Equinox insurance quotes?

Thanks to technology, there are a lot of ways to compare insurance quotes in Ohio, but the most common ways are from an exclusive insurance agent like State Farm or Liberty Mutual, an independent agent, or from a direct company like Progressive or Geico. You can use whichever method you prefer, but each is different in how they price policies.

Independent insurance agents have contracts with many companies and can get rate quotes from every one. They will provide you with more rate quotes, which may provide you with a better chance of finding cheaper coverage. If your agent finds better pricing, they can switch companies in-house and you won’t have to switch agencies.

An agent who is captive is ‘exlusive’ to one insurance company, a couple examples are a State Farm or Liberty Mutual agent. This type of agents cannot provide rates from more than one company, so you will not be able to compare multiple prices.

Buying direct means you skip the middleman (the agent) and buy from a direct company like Geico or Progressive. Shopping direct may be preferred by people who do not need high amounts of coverage and understand what coverage options they need.

So which one of the three ways works best to buy cheap insurance for a Chevrolet Equinox in Ohio? We would first guess that shopping direct saves the most money since no commissions are paid to an agent, but that generally is not the case. It could also be said going through an independent agent guarantees the lowest rates because they can quote many companies, but that assumption is also not necessarily accurate. In many circumstances, exclusive agencies may have prices that cannot be beaten by either independent or direct companies.

Because there is so much variation in insurance prices, the only real way to ensure you are not overpaying for insurance is to compare rate quotes from as many companies as possible. Industry experts recommend getting quotes from all three types to give yourself enough choices. To see some of the cheapest online companies available, click here to view.