2009 Chevrolet Equinox Insurance Rates – 8 Ideas for Best Quotes

Are you sick and tired of not being able to afford each month for auto insurance? You are in the same boat as millions of other drivers. Insurance companies such as State Farm, Progressive and Geico continually hit you with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

If you have insurance now or need a new policy, you can follow these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Consumers just need to know the best way to get comparison rates online.

Don’t overlook these eight insurance coverage discounts

Some insurers do not list every discount in an easy-to-find place, so the below list has some of the best known and the harder-to-find discounts that you may qualify for. If you are not receiving all the discounts possible, you could be getting lower rates.

• Accident-Free Discounts – Drivers who stay claim-free have much lower rates in comparison with accident-prone drivers.
• Seat Belts Save – Requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
• Save with More Vehicles Insured – Drivers who insure multiple cars with the same company can reduce the rates for all insured vehicles.
• Student Discounts – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• Telematics Data Discounts – People who choose to allow their insurance coverage company to track vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
• Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance quote.
• Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Equinox coverage than drivers with accidents.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Larger insurance coverage companies and a selection of discounts are:

• State Farm offers discounts for accident-free, anti-theft, safe vehicle, good student, multiple autos, good driver, and driver’s education.
• Geico discounts include anti-lock brakes, multi-policy, anti-theft, federal employee, emergency military deployment, and five-year accident-free.
• SAFECO has discounts for multi-car, homeowner, drive less, accident prevention training, safe driver, anti-lock brakes, and teen safe driver.
• Farmers Insurance policyholders can earn discounts including alternative fuel, mature driver, bundle discounts, distant student, and electronic funds transfer.
• AAA offers discounts including pay-in-full, anti-theft, multi-policy, education and occupation, multi-car, good driver, and good student.
• USAA includes discounts for multi-policy, military installation, family discount, driver training, loyalty savings, vehicle storage, and defensive driver.

It’s a good idea to ask each company or agent which discounts they offer. Some of the discounts discussed earlier may not be offered everywhere. To see providers with discount rates, click here.

Quote insurance coverage online

Getting a cheap price on 2009 Chevy Equinox insurance can be quick and easy. The only thing you need to do is spend a little time comparing rate quotes online with multiple companies. It’s really simple and can be done using a couple different methods.

• The single most time-saving way to find low rates is an all-inclusive rate comparison (click to open form in new window). This quick form eliminates the need for repetitive form entry for every insurance coverage company. One form will get you price quotes direct from many companies.
• A less efficient way to analyze rates requires you to visit each individual company website to complete their respective quote request forms. For instance, we’ll pretend you need rates from State Farm, Progressive and American Family. To do that, you would have to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular.

  To view a list of companies in your area, click here.

• The most time-consuming method to do your price quoting is physically going to insurance agencies in your area. The ability to quote online can eliminate the need for a local agent unless you have a need for the professional guidance of a licensed agent. Although, it is possible price shop online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but try to keep the exact same coverage limits and deductibles on every price quote you get. If each company quotes different liability limits you can’t possibly truly determine the lowest rate.

When to get professional advice

When it comes to buying coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

• If my 2009 Chevy Equinox is totaled, can I afford another vehicle?
• What if I total my 2009 Chevy Equinox and owe more than it’s worth?
• Can I get a multi-policy discount?
• Is a fancy paint job covered?
• Where can I find high-risk insurance?
• Am I covered when driving in Canada or Mexico?
• Does my personal policy cover me when driving out-of-state?
• Do I need replacement cost coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance coverages 101

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

This coverage covers damage to your Equinox from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, hitting a mailbox, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This coverage can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, medical services, loss of income, pain and suffering and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Equinox.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, pain medications, dental work, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, damage from a tornado or hurricane, falling objects, rock chips in glass and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Do the work, save more money

Lower-priced insurance coverage is attainable from both online companies and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance coverage companies do not provide online rate quotes and most of the time these smaller providers only sell coverage through independent insurance agencies.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability limits or collision coverage only to regret that they should have had better coverage. The goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

More information

• Prom Night Tips for Teen Drivers (State Farm)
• Child Safety Seats (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Teen Driver Licensing Information (iihs.org)