Chevy Equinox Owners Learn How to Cut Their Car Insurance Rates

Searching for cheaper insurance for a Chevy Equinox can normally be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to quote coverages on a Chevy and obtain the lowest price from both online companies and local agents.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding the cheapest coverage is simple if you know the tricks. Nevertheless, consumers can benefit from knowing how insurance companies sell insurance online and apply this information to your search.

How to Compare Car Insurance

Most companies like Progressive, GEICO, Allstate and State Farm allow you to get price estimates on their websites. The process is quite simple as you simply enter the coverage amounts you desire as detailed in the form. After you complete the form, their system requests credit information and your driving record and returns a price quote.

Quoting online makes it a lot easier to compare rates but the process of having to visit multiple sites and complete many quote forms is monotonous and tiresome. But it is imperative to compare as many rates as possible if you want to find better car insurance pricing.

The easy way to compare rates

A more efficient way to compare rates is to use a quote form to get prices from many companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much simpler. As soon as the form is sent, it is quoted and you can select any of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes just a few minutes to complete and may save quite a bit of money.

To compare pricing, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you copy your coverages identical to your current policy. This ensures you will receive a price comparison for similar coverage.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but less common discounts must be manually applied before they will apply. insurance cheap

  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Equinox coverage than less cautious drivers.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy on Equinox coverage.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Save over 55 – Mature drivers may receive a small decrease in premiums on Equinox coverage.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for better rates on cars that stay parked.

Keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, you’re out of luck. But any discount will cut your overall premium however.

To choose companies with the best car insurance discounts, click this link.

Why your Chevy Equinox might be costing you more

It’s important that you understand the different types of things that help determine your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • How your age affects price – Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to be less responsible behind the wheel therefore car insurance rates are much higher.
  • Your stress level may be raising your rates – Jobs such as real estate brokers, executives and dentists have the highest average rates attributed to high stress and lengthy work days. Other jobs such as farmers, historians and retirees get better rates on Equinox coverage.
  • Consolidate policies to earn discounts – Some car insurance companies give discounts to customers who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to shop around to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Don’t let your coverage lapse – Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may then be required to file a SR-22 with your state DMV.
  • Performance level impacts rates – The type of car you drive makes a significant difference in your rates. Because the Chevrolet Equinox falls in the crossover class, insuring your vehicle will cost slightly more when compared to the average rates. Economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
  • Big city or small town – Being located in a small town is a positive aspect when insuring your vehicles. Fewer drivers means fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
  • Being married is a good thing – Being married helps lower the price when buying car insurance. Marriage means you’re more mature and it’s statistically proven that drivers who are married are more cautious.

Are insurance agents a thing of the past?

Certain consumers just want to get advice from a local agent. One of the great benefits of comparing rates online is you may find better rates but still work with a licensed agent. Supporting local agencies is definitely important in small towns and cities.

After filling out this form (opens in new window), your insurance coverage information is sent to local insurance agents who will give you bids for your business. There is no need to drive around because quoted prices will be sent to the email address you provide. Now that’s easy! You’ll get the best rates AND an agent nearby.

Types of insurance agents

When looking for a reputable insurance agent or broker, you need to know there are two different types of agents that you can select. Agents can either be captive or independent (non-captive).

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.

When comparing rates, it’s recommended you include several independent insurance agents for the best price selection.Most can insure with smaller regional carriers who may have lower rates.

Captive Insurance Agents

This type of agents can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to buy from captive agents partially due to the prominence of the brand and solid financial strength.

To view a complete directory of insurance agents, visit this page.

find Equinox insurance

Selecting an auto insurance agent shouldn’t rely on just a cheap price. Some important questions to ask are:

  • How long has their agency been open?
  • Do they carry Errors and Omissions coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How are claims handled?
  • Can they provide you with a list of referrals?
  • How much will you save each year by using a higher deductible?

After getting satisfactory answers to these questions and an affordable coverage quote, you’ve probably found an auto insurance agent that meets your needs to service your policy.

One last thing about your coverage

Insureds who switch companies do it for many reasons like delays in responding to claim requests, high rates after DUI convictions, an unsatisfactory settlement offer or even denial of a claim. Regardless of your reason, switching companies can be less work than you think.

In this article, we presented a lot of ways to get a better price on Chevy Equinox insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on car insurance is with an unexpected company.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price.