View 2013 Chevrolet Equinox Insurance Rates

I can’t think of anyone who likes paying for insurance coverage, in particular when the cost is way too high. Companies like Progressive, GEICO and Farmers Insurance continually bombard you with fancy advertisements and consumers find it hard to ignore the propoganda and find the best price available.

Consumers should take time to shop coverage around periodically since insurance rates tend to go up over time. Just because you found the lowest price for Equinox insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Where Can I Get Cheap Auto Insurance?

Most companies such as 21st Century, Allstate and State Farm quote price estimates on the web. Obtaining pricing is fairly simple as you simply type in the coverage amounts you desire as detailed in the form. Upon sending the form, the company’s rating system requests your driving and credit reports and gives you a price quote. Being able to quote online helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it is imperative to perform this step if you are searching for the best price possible.

An easier way to get multiple rate quotes requires only one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online quotes a lot less work. After sending the form, it is quoted with multiple companies and you can pick your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To find out how much you can save on auto insurance, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you duplicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you’re receiving rate quotes for exact coverage.

Best discounts on Chevy Equinox coverage

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but some must be specially asked for before you will receive the discount. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Resident Student – Children who are attending college and do not have a car may be able to be covered for less.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Equinox insurance than drivers with accidents.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates on auto insurance for Equinox insurance.

Drivers should understand that some credits don’t apply to the entire cost. Some 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, companies don’t profit that way. But any discount will reduce the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts, click here to view.

Some factors that can determine what Chevy Equinox insurance costs

Smart consumers have a good feel for some of the elements that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The following are a few of the “ingredients” companies use to determine prices.

  • Pleasure use saves money – The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. An improperly rated Equinox may be costing you. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Car features impact rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a fast way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Teen drivers pay high rates – Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Young drivers are statistically proven to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy Equinox earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Pay less after the wedding – Getting married helps lower the price on your auto insurance policy. Having a spouse usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine whether or not you might need professional guidance.

  • Why do I need rental car insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I still get insurance after a DUI?
  • How do I file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is no-fault insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages 101

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, theft and hail damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, pain and suffering, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover 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 universally available but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

When shopping online for auto insurance, do not buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned many ideas to save on 2013 Chevy Equinox insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the best price on auto insurance is with some of the lesser-known companies. These companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

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