Lower Your 2011 Chevrolet Equinox Insurance Quotes

Paying for high-priced Chevrolet Equinox insurance can drain your checking account, especially in this economy. Comparing price quotes is a smart way to slash your bill and have more diposable income. Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company and get the best coverage at the best price available.

If you are insured now or need a new policy, you can use this information to find the best rates and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers just need to learn the proper way to get comparison quotes over the internet.

Chevy Equinox insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in big savings.

  • One company can mean more discounts – Many insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by buying car insurance from a different company.
  • Where you live can impact rates – Residing in less populated areas can be a good thing when it comes to car insurance. City drivers tend to have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
  • Save money with special equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both have accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • Liability coverage is cheap – Liability insurance will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • How credit affects car insurance rates – Your credit score is a big factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. So if your credit score is low, you could potentially save money when insuring your 2011 Chevrolet Equinox by repairing your credit.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and lower rates for you. If your Chevy is rated at least four stars on Safercar.gov it may be receiving lower rates.

The method we recommend to get rate comparisons is to know the trick most insurance companies actually pay money for the chance to quote your coverage. To get started, all you need to do is take a few minutes to give details such as how much coverage you want, marital status, how many miles driven, and the ages of drivers. Those rating factors is then submitted to many highly-rated insurers and you get price estimates immediately.

To check rates for your , click here then complete the form.

Save $438 a year. For real?

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you change to them.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A propective insured who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who do not match the “perfect” profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how companies can truthfully state the savings. This illustrates why you need to get as many quotes as possible. It’s impossible to know which company will have the lowest Chevy Equinox insurance rates.

Save money by taking advantage of these discounts

Auto insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Federal Employees – Active or retired federal employment can save as much as 8% on Equinox coverage with certain companies.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Own a Home – Owning a home can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.

Drivers should understand that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

When should I use an insurance agent?

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether you would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I required to buy high-risk coverage?
  • Why is insurance for a teen driver so high?
  • Can I still get insurance after a DUI?
  • What if I owe more than I can insure my car for?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Coverage specifics

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Equinox.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, theft and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as rehabilitation expenses, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This covers damage to your Equinox resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, crashing into a building, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

A tidy conclusion

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 collision coverage and found out when filing a claim that it was a big error on their part. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Cheap 2011 Chevy Equinox insurance can be bought online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

More detailed insurance information is located in the articles below: