Cheaper 2015 Chevrolet Equinox Insurance Quotes

Searching for the cheapest insurance coverage rates for your Chevrolet Equinox? Tired of wondering where the money will come from to buy insurance coverage? You’re in the same situation as most other vehicle owners. Numerous insurers battle for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best rate

It’s a good idea to price shop coverage at least once a year due to the fact that insurance prices change quite often. Just because you found the best rate on Equinox insurance last year a different company probably has better premium rates today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to find the best coverage while lowering your premiums.

Drivers save money with these rate-reducing discounts

Companies that sell car insurance don’t always advertise all disounts very well, so here is a list some of the more common as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Own a Home – Owning a home can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Good Grades Discount – Being a good student may save as much as 25% on a auto insurance quote. Most companies allow this discount well after school through age 25.
  • Club Memberships – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your bill.
  • New Car Discount – Insuring a vehicle that is new can save up to 30% because newer models have to meet stringent safety requirements.
  • Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote compared to policyholders that have many claims.
  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Telematics Devices – Drivers that enable driving data submission to look at vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with one company you will save up to 20% and get you affordable auto insurance.
  • Discount for Swiching Early – A few companies allow discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.

It’s important to understand that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are outlined below.

  • Farm Bureau discounts include safe driver, multi-vehicle, good student, youthful driver, renewal discount, and 55 and retired.
  • State Farm may offer discounts for anti-theft, driver’s education, accident-free, student away at school, good driver, and Drive Safe & Save.
  • Progressive offers discounts for good student, continuous coverage, online signing, homeowner, and multi-vehicle.
  • Allstate has savings for new car, auto/life discount, good payer, safe driver, good student, and multi-policy.
  • Nationwide may have discounts that include multi-policy, easy pay, good student, Farm Bureau membership, accident-free, defensive driving, and anti-theft.
  • MetLife may include discounts for claim-free, accident-free, good student, multi-policy, good driver, defensive driver

Double check with every prospective company how you can save money. Savings may not apply to policies in your state. To see a list of companies with significant discounts, click here.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out whether you would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • When would I need rental car insurance?
  • Do I need motorclub coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is my teen driver covered when they drive my company car?
  • Can I afford low physical damage deductibles?
  • Are rock chip repairs covered?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Collision coverage

This coverage will pay to fix damage to your Equinox resulting 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 can pay for claims such as driving through your garage door, colliding with a tree, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, damage from getting keyed, rock chips in glass, vandalism and a tree branch falling on your vehicle. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, dental work and EMT expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This protects you from damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, emergency aid, pain and suffering and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Equinox.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Get your money’s worth

When getting auto insurance quotes online, make sure you don’t reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage and learned later that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

We covered many ideas to shop for 2015 Chevy Equinox insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest priced car insurance comes from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Some companies may not have internet price quotes and many times these small insurance companies provide coverage only through local independent agencies. Lower-priced 2015 Chevy Equinox insurance is available from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture.

Much more information about car insurance is located at the links below

Comments About 2015 Chevrolet Equinox Insurance

  1. Roseann Cannon

    Is Progressive cheaper than Amica in Kailua, Hawaii?

  2. Deon Barnett

    What is UM/UIM coverage?

  3. Marcel Carpenter

    21st Century is decent in Montgomery, AL.

  4. Hortensia Gibbs

    Hope my rates come down. I’m in the east part of Owensboro, KY. Received quotes from Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Chevrolet and I’m now saving $23 a month. Insured with Western Auto Insurance before. I’m a pretty low risk driver.

  5. Ernie Singleton

    Cheap is not always the best policy. Live in Paterson, New Jersey. Got car insurance quotes with State Farm, Amica, Farmers, and Liberty Mutual for my 2015 Chevrolet Equinox and saved just over $280 a year. Good multi-policy discounts. Are quotes cheaper online?

  6. Chasidy Nunez

    From Norman, OK. Quoted rates from Allstate, Esurance, and Hanover for my 2015 Chevrolet Equinox and I think I saved about $50 each month. Left State Farm to switch. A clean driving record helps. Just waiting to see how claims go.

  7. Jarrett Acosta

    Hope my rates come down. From northwest of Rockford, IL. Got rates from AIG Insurance, Safeco, and Western Auto Insurance for my 2015 Chevrolet Equinox and saved $286 a year.

  8. Rosemarie Conway

    I got decent rates for a 2015 Chevrolet Equinox in Green Bay, WI. Ended up at darn near $580 every six months with Amica. Was with Sentry. Switched homeowners coverage too. I got prices on the web.