Save on 2011 Chevrolet Equinox Insurance Rates

Finding the most affordable car insurance on the internet may seem to be impossible for consumers new to online price comparisons. When there are so many insurance companies available, how can you have the ability to compare every company in order to find the best available rates?

Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who has to buy auto insurance most likely will be able to lower their premiums. Nevertheless, consumers need to learn how companies sell online.

How you can control Chevy Equinox insurance prices

Smart consumers have a good feel for some of the elements that play a part in calculating your premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can help you get lower premium levels.

  • Youthful driver insurance prices – Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to get distracted easily with other occupants in the car so they pay higher auto insurance rates.
  • Five star NHTSA crash test rating saves money – Cars with five star safety ratings get lower rates. Vehicles built for safety reduce injuries and fewer injuries means lower claim amounts which can result in lower premiums. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Having a spouse pays dividends – Being married may save some money when shopping for auto insurance. Marriage demonstrates that you tend to be more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Only buy coverage you need – There are a lot of extra coverages that can add up on your auto insurance policy. Coverages like coverage for rental cars, towing coverage, and membership fees are examples of these. These may sound like a good investment when discussing your needs, but now you might not need them so remove them from your policy.

Drivers save money with these money-saving discounts

The price of auto insurance can be rather high, but there could be significant discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but a few need to be inquired about before being credited.

  • New Car Discount – Buying a new car model may earn a small discount compared to insuring an older model.
  • Telematics Data – Policyholders that allow companies to track when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.
  • College Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
  • Claim Free – Good drivers with no accidents get the best car insurance rates in comparison with frequent claim filers.
  • Online Discount – Certain larger companies will give you a small discount get auto insurance on the web.
  • Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you could save up to 20% off your total premium.
  • Active Military Service – Having an actively deployed family member could be rewarded with lower rates.
  • Home Ownership Discount – Just being a homeowner can earn you a little savings because it means you have a higher level of financial diligence.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 15% off the medical payments premium.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, you’re out of luck.

If you would like to view insurance companies with the best discounts, click here to view.

Insurance companies are expert advertisers

Insurance providers like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. All the companies try to convey promises that you can save just by switching your coverage. It sounds good, but how can they all lower your premium rates? Just pay attention to how they say it.

Insurance companies quote the lowest rates for a prospective insured that earns them the highest profit. A good example of a desirable insured might have to be over age 30, has never had a policy lapse, and has excellent credit. A customer getting a price quote who fits that profile will get the preferred rates and will probably save if they switch.

Insureds who are not a match for the requirements will see a more expensive rate which results in the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can make claims like that. This illustrates why you need to compare rate quotes every year. It is impossible to predict which insurance companies will have the lowest rate quotes.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • Does my insurance cover my expensive audio equipment?
  • Will my insurance pay for OEM parts?
  • Do I need roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I get collision insurance on every vehicle?
  • Do I pay less for low miles?
  • How can I find cheaper teen driver insurance?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, loss of income, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred 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. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, chiropractic care, ambulance fees, hospital visits and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage will pay to fix damage to your Equinox caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, damaging your car on a curb, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer, a broken windshield, hitting a bird and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be Smart and Buy Smart

You just read a lot of techniques to reduce 2011 Chevy Equinox insurance car insurance rates online. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting affordable auto insurance. Drivers may discover the most savings is with the least-expected company.

Consumers leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer or even high prices. Regardless of your reason, finding a great new company is less work than it seems.

When searching for the cheapest auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

More detailed insurance coverage information can be found in the articles below:

Comments About 2011 Chevrolet Equinox Insurance

  1. Judy Pope

    Nice post. Quoted with GMAC for my 2011 Chevrolet Equinox and am saving around $450 a year. Left Western Auto Insurance to switch.

  2. Jude Sharp

    I’m just east of Des Moines, Iowa. Got free quotes online for a 2011 Chevrolet Equinox. Ended up at about $110 savings annually. Went with Progressive.

  3. Ana Barnes

    Compared auto insurance prices with Allstate and GEICO but still not cheap enough.

  4. Keely Chang

    Does Kentucky require a SR-22 after a DUI?

  5. Freida Gallegos

    I live on the west side of Reno, NV. Received quotes with State Farm, Hartford, and Encompass for my Equinox and I’m now saving $24 a month. Was with Hanover. I’m a pretty low risk driver. Bought it from an online quote.

  6. Velia Cannon

    Mine is so expensive. Proud to be from Newark, NJ. Quoted with State Farm, Auto-Owners, Erie, and Hartford for my Equinox and I’m now saving $56 a month. I used their website to get prices.

  7. Meri Jefferson

    I’m in the south part of Rockford, IL. Got prices from Amica, Esurance, and Mercury for my Equinox and saved just over $320 a year. Left Safeco to switch. Have an at-fault accident tho. I got prices on the web.

  8. Wilhemina Armstrong

    Where is cheaper car insurance? I’m in the south part of Chesapeake, VA. Received prices from Allstate, Esurance, and Liberty Mutual for my 2011 Chevrolet Equinox and am saving around $480 a year. Can still barely afford it.

  9. Sharonda Henson

    Lifelong resident of Manchester, NH. Quoted prices online for a 2011 Chevrolet Equinox. Ended up at about $580 savings annually. Went with State Farm. LOL