Cheap 2009 Chevrolet Equinox Insurance Cost

Drivers have lots of choices when trying to find the lowest priced Chevy Equinox insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to get rate quotes.

There is a better way to find insurance online and you need to know the quickest way to price shop coverage for a Chevy and locate the cheapest rates from local insurance agents and online providers.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • One Accident Forgiven – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Equinox insurance than less cautious drivers.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Equinox insurance.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

For a list of providers offering auto insurance discounts, click here.

The quickest method we recommend to compare car insurance company rates is to know almost all companies participate in a system to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details such as deductibles desired, how old drivers are, if a SR-22 is required, and whether your vehicle is owned or leased. Your rating data gets transmitted to insurance companies and they return quotes with very little delay.

How do I know if I need professional advice?

When choosing the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your situation may require specific advice.

  • Do I need more liability coverage?
  • Do I have newly-aquired coverage?
  • When should I buy a commercial auto policy?
  • Should I rate my 2009 Chevy Equinox as pleasure use or commute?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy coverages for a Chevy Equinox

Having a good grasp of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses such as prosthetic devices, EMT expenses, funeral costs, rehabilitation expenses and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and 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. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, theft, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your Equinox caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

More quotes. Lower rates.

Insureds who switch companies do it for a number of reasons such as denial of a claim, high prices, not issuing a premium refund and policy cancellation. Regardless of your reason, switching companies is not as hard as you think.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

The cheapest 2009 Chevy Equinox insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

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