Save on 2005 Chevrolet Equinox Insurance Quotes

Want better insurance coverage rates for your Chevrolet Equinox? Getting lower-cost insurance coverage over the internet might seem impossible for people that are relatively new to buying their insurance coverage online. With more and more online companies available, how can drivers have time to compare every company in order to find the best pricing?

Buying car insurance is not rocket science. If you currently have car insurance, you will be able to cut costs considerably using this strategy. Although consumers do need to understand the way companies sell online because it can help you find the best coverage.

Free insurance quotes

There are several ways to compare insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize online quotes for quick rates.

Most of the best insurance companies enroll in a system that enables customers to submit one quote, and at least one company can give them a price. This system prevents you from having to do form submissions for every insurance company. To access this free quoting program, click here to open in new window.

The single downside to using this type of form is you don’t know exactly the companies you want to price. So if you want to select specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be certain you are entering exactly the same coverages for every company. If you are comparing mixed coverages it will be very difficult to make a fair comparison for your Chevy Equinox. Quoting even small variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps locate a lower rate than you’re paying now. Not every company does prices over the internet, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Don’t miss these discounts

Insurance can cost an arm and a leg, but you can get discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you get a quote, but some need to be requested specifically before they will apply. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Professional Organizations – Having an affiliation with a civic or occupational organization can get you a small discount on insurance coverage.
• Multiple Cars – Drivers who insure multiple cars on a single policy qualifies for this discount.
• New Car Discount – Buying a new car model can get you a discount since newer vehicles have better safety ratings.
• Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction on Equinox coverage with certain companies.
• College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle can receive lower rates.
• Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Online Discount – Certain insurance coverage companies will provide an incentive get auto insurance on your computer.
• Discount for Low Mileage – Fewer annual miles on your Chevy may enable drivers to earn substantially lower rates.
• Own a Home – Just owning your own home can get you a discount since home ownership is proof of financial responsibility.
• Air Bag Discount – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will lower your overall bill.

If you would like to view insurers who offer online insurance coverage quotes, click here.

Special considerations

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs may require specific advice.

• Is upholstery damage covered by car insurance?
• Does coverage extend to Mexico or Canada?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my nanny covered when driving my vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What can I do if my company denied a claim?
• Where can I get insurance after a DUI in my state?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Equinox.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance will cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, loss of income and court costs. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage