Save on 2017 Chevrolet Equinox Car Insurance Cost

Searching for better insurance prices for a new or used Chevy Equinox can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy car insurance so we’re going to tell you the quickest way to get price quotes for a Chevy and locate the lowest possible price either online or from local insurance agents.

Insurance coverage quotes and discounts

Some insurers don’t always list the entire discount list in a way that’s easy to find, so the next list breaks down a few of the more well known and the more hidden ways to save on insurance coverage.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
• Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
• Low Mileage Discounts – Low annual miles can qualify you for cheaper premium rates.
• One Accident Forgiven – Not really a discount, but some insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims before the accident.
• Government Employees – Federal government employees could qualify for a slight premium decrease for Equinox coverage but check with your company.
• E-sign – A few insurance coverage companies give back up to $50 for completing your application on your computer.
• Discount for Life Insurance – Insurance coverage companies who offer life insurance give better premium rates if you take out a life policy as well.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce your policy premium.

Popular insurance coverage companies and a summarized list of policyholder discounts are outlined below.

• Geico discounts include federal employee, air bags, driver training, anti-lock brakes, and military active duty.
• Travelers may offer discounts for multi-policy, multi-car, student away at school, driver training, and payment discounts.
• Farm Bureau offers discounts including renewal discount, 55 and retired, youthful driver, driver training, multi-policy, safe driver, and good student.
• Liberty Mutual offers premium reductions for newly retired, multi-policy, hybrid vehicle, new move discount, and multi-car.
• American Family may include discounts for defensive driver, air bags, bundled insurance, good driver, and multi-vehicle.
• Progressive offers discounts for homeowner, multi-vehicle, good student, online signing, and continuous coverage.

Before buying, ask all the companies the best way to save money. A few discounts may not apply to policyholders in your area. To locate insurers who offer online insurance coverage quotes, click here.

The method we recommend to compare policy rates is to take advantage of the fact almost all companies participate in online systems to give free rates quotes. To get started, all you need to do is give them rating details like your education level, the make and model of your vehicles, if you lease or own, and your general credit rating. The rating information is automatically sent to multiple car insurance providers and they return cost estimate very quickly.

If you wish to get multiple quotes for your 2017 Chevy Equinox now, click here then complete the form.

How insurance companies calculate Chevy Equinox insurance costs

Consumers need to have an understanding of some of the factors that help determine the rates you pay for insurance. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to better insurance rates.

The items below are a few of the things that factor into prices.

• Lower rates come with age – Youthful drivers are statistically proven to be more careless when driving with friends so they pay higher insurance rates. If you’ve ever had to add a youthful driver onto your insurance can increase premiums substantially. Older people are more cautious drivers, are lower risk to insure , and are generally more financially stable.
• What are your deductibles? – Comp and collision deductibles represent how much money you are required to spend if a claim is determined to be covered. Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your car. Some coverage claims are rearending another vehicle, damage caused by hail, or theft of your vehicle. The more you’re willing to pay, the less money you will pay for insurance for Equinox coverage.
• Traffic violations can increase costs – Your driving citation history has a lot to do with how much you pay for insurance. Even a single driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records get better prices compared to drivers with tickets. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state DMV in order to continue driving.
• Pay more if you have a long commute – Living in small towns and rural areas may provide you with better prices when it comes to insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Fewer people means fewer accidents and also fewer theft and vandalism claims.

Situations that may require an agent’s advice

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining whether you might need professional guidance.

• Am I covered when delivering products for my home-based business?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when driving in Canada or Mexico?
• Do I really need UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Do I need rental car coverage?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

But they said I’d save $429 a year!

Drivers can’t avoid all the ads for auto insurance savings from the likes of State Farm and Allstate. All the ads try to convey promises that you’ll save big if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all make almost identical claims? It’s all in the words they use.

Different companies look for specific characteristics for the type of driver that makes them money. An example of a preferred risk could be between the ages of 30 and 50, carries full coverage, and drives a car with an anti-theft system. A customer who meets those qualifications will get very good car insurance rates and will most likely save when switching.

Potential insureds who are not a match for this stringent profile must pay more expensive rates and this results in business not being written. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently advertise the savings. Because of these techniques, it’s extremely important to get auto insurance quotes from several different companies. It is impossible to guess with any certainty which company will be your best fit.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, damage from getting keyed, vandalism, damage from a tornado or hurricane and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your Equinox resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses for chiropractic care, nursing services, hospital visits and dental work. The coverages can be used to cover expenses not covered by your health insurance policy 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. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage – This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Equinox.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Keep this in mind

Cheaper insurance coverage can be purchased online and also from your neighborhood agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not have price quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered a lot of information how to get a better price on 2017 Chevy Equinox insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Drivers switch companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, policy cancellation or questionable increases in premium. Whatever your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

Much more information about insurance coverage can be found below:

• Child Safety Seats (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Greensboro? (QuoteGreensboro.com)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Auto Insurance Basics (Insurance Information Insitute)