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.
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.
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:
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.
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.
To view a list of companies in your area, click here.
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 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 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.
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.
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.
Shu Wooten
I live in a small town just outside of Newark, NJ. Quoted prices online for a 2009 Chevrolet Equinox. Ended up at about $310 savings annually. Went with State Farm.
Daysi Hanson
Here’s my info. Lifelong resident of Jackson, MS. Quoted with Amica, Nationwide, and USAA for my Equinox and saved just over $440 a year. Insured with Nationwide before. Thankfully I have a good driving record.
Judie Chavez
I found cheap 2009 Chevrolet Equinox insurance in Portland, ME with GEICO.
Hipolito Sherman
2009 Chevrolet Equinox + State Farm = GOOD RATES!
Cathryn Blanchard
Here’s what I found out. Proud to be from Omaha, NE. Quoted prices from Sentry, Farmers, State Farm, and AIG Insurance for my Chevrolet and I think I cut my rates about $30 each month. Insured with Nationwide before. Even increased my liability limits.
America Jefferson
I’m just west of Grand Forks, North Dakota. Compared quite a few companies. Saved right around $30 a month. State Farm was the cheapest for me. I used their online quote form to compare rates.
Veda Miller
From north side of Wilmington, DE. Quoted rates from AIG Insurance, Safeco, and Travelers for my Chevrolet and saved $459 a year. Wish I didn’t have to insure at all.
Patria Durham
Are custom wheels covered by insurance?
Marylynn Nielsen
Good detail in your article. I’m from Grand Forks, ND. Got car insurance quotes from MetLife, Farmers, Allstate, and AAA for my Chevrolet and saved $398 a year. Thankfully I have a good driving record. You can get a rate quote online.
Rolland Molina
21st Century was cheapest for my 2009 Chevrolet Equinox in Fayetteville, AR.
Jeffrey Richmond
I live in Tampa, FL. Quoted prices online for a 2009 Chevrolet Equinox. Ended up at about $570 savings annually. Went with Allstate. I have a couple other vehicles on the policy.
Una Ramsey
I live just to the east of Madison, WI. Received quotes with 21st Century, American Family, and Farmers for my Chevrolet and saved $361 a year.
Suzette Roman
I live south of Salem, OR. Received prices from AAA, Safeco, and some smaller one I can’t remember the name of for my 2009 Chevrolet Equinox and I’m now saving $15 a month. I have several vehicles insured with them.
Fawn Everett
I live just to the south of Newark, NJ. Quoted quotes with Auto-Owners, Erie, and Mercury for my 2009 Chevrolet Equinox and am saving around $520 a year. Was with Sentry. Got better coverage too.
Brain Cooley
If you have a good history and live near Nashville, TN, check out GEICO. You might save some money. Insured with Esurance before. They have a lot of discounts available. Wish I didn’t have to insure at all.
Corene Golden
Cheapest quote for my 2009 Chevrolet Equinox was with Eastwood. I’m a pretty low risk driver. Not sure if rates are cheaper online or not.
Marylou Chambers
I’m in the north part of Albuquerque, NM. I got free prices from Liberty Mutual, Amica, MetLife, and a couple others for my 2009 Chevrolet Equinox and I’m now saving $51 a month. Left Liberty Mutual to switch. Wish I didn’t have to insure at all.
Twanda Cook
I found affordable 2009 Chevrolet Equinox insurance from Allstate in Minneapolis, Minnesota.
Freeda Slater
I found pretty cheap rate quotes for a 2009 Chevrolet Equinox in Pittsburgh, PA. Ended up at right around $280 every six months with Auto-Owners. Have a couple speeding tickets too.
Twanna Maynard
Enjoyed the article. I’m in the suburbs of San Antonio, Texas. Got quotes from AIG Insurance, Safeco, and a few others for my 2009 Chevrolet Equinox and saved $93 a year. Insured with Safeco before. I quoted rates online then called them.