2008 Chevrolet Equinox Insurance Rates – 7 Discounts for Best Quotes

Scraping up a payment for overpriced Chevrolet Equinox insurance can overdraw your bank account and force you to make sacrifices. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Because you have many insurance companies to choose from, it is very difficult to find the right insurance company.

You should take the time to compare rates quite often because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Equinox coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate one of the quickest ways to eliminate unnecessary coverages and save money.

The purpose of this post is to teach you how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Consumers just need to know how to compare price quotes on the web.

The best way we recommend to compare car insurance rates is to know most of the bigger providers provide online access to give free rates quotes. The only thing you need to do is provide information like how much education you have, your credit rating estimate, if the car is leased, and distance driven. Your information is then sent to insurance carriers in your area and they return cost estimate instantly.

To start a quote now, click here and find out if lower rates are available.

Save money by taking advantage of these seven discounts

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

• Memberships – Participating in a professional or civic organization is a good way to get lower rates when buying insurance on Equinox coverage.
• Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
• Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
• Senior Discount – If you’re over the age of 55, you may qualify for reduced rates on Equinox coverage.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of companies with discount insurance rates, click this link.

When should I use an insurance agent?

When choosing coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your situation might need professional guidance.

• How can I force my company to pay a claim?
• What is PIP insurance?
• Why is insurance for a teen driver so high?
• What are the best liability limits?
• How does medical payments coverage work?
• What should my uninsured motorist coverage limits be in my state?
• Can my babysitter drive my car?
• Is my state a no-fault state?
• If my 2008 Chevy Equinox is totaled, can I afford another vehicle?
• I have a DUI can I still get coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Uninsured and underinsured coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability – This protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, court costs, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, dental work, X-ray expenses, funeral costs and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance covers damage to your Equinox resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.