2006 Chevrolet Equinox Insurance Quotes

Shopping for the most affordable car insurance on the internet may at first seem to be somewhat difficult for consumers new to comparing prices on the web. With so many insurance agents and online companies, how are consumers expected to have the ability to compare every company in order to find the cheapest rates?

Free insurance coverage rate quotes

To find the best insurance coverage rates, there are several ways of comparing price quotes from different insurance companies. The recommended way to find the cheapest 2006 Chevy Equinox insurance rates is to get quotes online. This is quite simple and can be completed using a couple different methods.

Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This method keeps you from doing a different quote to each individual insurance coverage company. One form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.

A different way to shop for insurance coverage online requires you to visit each company website and complete a new quote form. For example, let’s assume you want rates from USAA, Allstate and State Farm. You would have to take the time to go to each site to input your insurance information, which is why first method is reommended.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be sure you’re using exactly the same coverages and limits for each comparison quote. If each company quotes differing limits then you won’t be able to determine the lowest rate for your Chevy Equinox. Just slight variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, quoting more provides better odds of finding better pricing.

But the ad said I’d save 15% in 15 minutes!

Respected companies like State Farm, Allstate and Geico regularly use television and radio advertisements. They all seem to try to convey promises of big savings if you get a free insurance coverage quote and switch your policy. That’s great but how can every company charge less that you’re paying now? Just pay attention to how they say it.

Most companies have specific criteria for the type of insured that will be a good risk. For instance, a preferred risk might be between the ages of 30 and 50, has few claims, and drives a safe vehicle. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and will save when switching.

Potential insureds who are not a match for these stringent criteria will have to pay higher premiums and the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “all people who quote” save that much. This is how companies can make claims that they all have the best auto insurance rates. Because every company is different, you really should get as many free insurance coverage quotes as possible. It’s just too difficult to predict the company that will have the best rates for your profile.

Use discounts to get cheaper insurance coverage rates

Some insurers do not list the complete list of policy discounts very well, so we took the time to find some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

• Discount for Home Ownership – Just being a homeowner may earn you a small savings since home ownership is proof that your finances are in order.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Geico and Liberty Mutual will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Bundle and Save – When you have multiple policies with the same company you could earn a discount of at least 10 to 15 percent or more.
• Active Military Service – Being deployed with a military unit may lower your premium rates slightly.
• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• Use Seat Belts – Requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.
• Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote insurance coverage for Equinox coverage with certain companies.
• Responsible Driver Discount – Insureds without accidents can pay as much as 50% less for Equinox coverage than less cautious drivers.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, nobody gets a free ride.

A few of the larger companies and the discounts they provide are:

• State Farm may include discounts for Steer Clear safe driver discount, multiple policy, anti-theft, good student, multiple autos, and passive restraint.
• Liberty Mutual policyholders can earn discounts including preferred payment discount, newly married, multi-policy, exclusive group savings, good student, newly retired, and teen driver discount.
• American Family offers discounts including defensive driver, good driver, multi-vehicle, Steer into Savings, and air bags.
• Progressive may have discounts that include online quote discount, multi-policy, homeowner, online signing, and continuous coverage.
• Farmers Insurance may offer discounts for alternative fuel, youthful driver, switch companies, bundle discounts, pay in full, teen driver, and distant student.
• Auto-Owners Insurance discounts include paperless, safe driver, mature driver, teen driver, paid in full, and air bags.
• SAFECO offers discounts for teen safe driver, bundle discounts, teen safety rewards, anti-theft, anti-lock brakes, multi-car, and safe driver.

When quoting, ask every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To choose insurers with discount insurance coverage rates, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you could use an agent’s help.

• Do I need special endorsements for business use of my vehicle?
• Do I need higher collision deductibles?
• What companies insure drivers after a DUI or DWI?
• Is business equipment covered while in my vehicle?
• How many claims can I have before being cancelled?
• I have good health insurance, so how much medical payments coverage do I need?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does coverage extend to my business vehicle?
• What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance policy coverages for a Chevy Equinox

Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, hospital visits, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Equinox.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This coverage pays for damage to your Equinox caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

This can cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Keep this in mind

We just showed you some good ideas how to compare 2006 Chevy Equinox insurance premium rates online. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the lowest premium rates are with an unexpected company.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Cheaper 2006 Chevy Equinox insurance can be bought online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide rates over the internet and most of the time these smaller providers prefer to sell through local independent agents.

Additional detailed information can be found at these sites:

• Bodily Injury Coverage (Liberty Mutual)
• Coverage Information (Progressive Insurance)
• How to Avoid Staged Accidents (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)