Cheap 2015 Chevrolet Equinox Insurance Rates

Want cheaper insurance coverage rates for your Chevrolet Equinox? Nobody I know likes paying for insurance coverage, especially knowing their premiums are too high.

You have multiple auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

Buying car insurance is easy if you know what you’re doing. Essentially everyone who has to buy auto insurance should be able to cut their insurance bill. Nevertheless, vehicle owners can benefit from knowing the methods companies use to market insurance on the web.

Get lower rates on Chevy Equinox insurance

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the best known as well as the least known car insurance savings.

  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could qualify for better rates on cars that stay parked.
  • Memberships – Being a member of a qualifying organization may earn a discount when buying car insurance on Equinox coverage.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

For a list of insurance companies with the best car insurance discounts, click here.

How to Compare Car Insurance Costs

All major car insurance companies quote coverage prices on their websites. The process doesn’t take much effort as you just type in your required coverages into the quote form. When complete, the system obtains your driving record and credit report and generates pricing information. Online quotes makes comparing rates easy, but the time required to go to several different sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you want to find better car insurance pricing.

Quote rates the easy way

The quickest way to get multiple rate quotes is to use a quote form that analyzes rates from several different companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here and submit the form. If you currently have coverage, we recommend you input the coverages as close as possible to your current policy. This way, you will have an apples-to-apples comparison based on the exact same insurance coverage.

Factors that can influence insurance rates for a Chevy Equinox

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance coverage prices.

  • Sex matters – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Do you know you’re credit rating? – A driver’s credit rating is a big factor in calculating your insurance coverage rates. Consumers who have good credit tend to be less risk to insure than those with lower credit scores. If your credit rating can use some improvement, you could potentially save money when insuring your 2015 Chevrolet Equinox by improving your rating.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea at first, but if you don’t need them eliminate them to save money.
  • Where you reside plays a part – Living in a small town can save you money when buying insurance coverage. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • How many coverages with the same company – Some companies will award you with lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to make sure you are getting the best deal.
  • Rates may be lower depending on your job – Jobs such as doctors, executives and dentists are shown to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations like scientists, historians and the unemployed pay the least on Equinox coverage.
  • Bad driving skills means higher rates – A bad driving record impacts your car insurance rates tremendously. Even one speeding ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.

Tailor your coverage to you

When choosing coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my 2015 Chevy Equinox qualify for pleasure use?
  • Is there coverage for injuries to my pets?
  • Do I have coverage for damage caused while driving under the influence?
  • What should my uninsured motorist coverage limits be in my state?
  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount?
  • Is rental equipment covered for theft or damage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

How can 21st Century, Allstate and State Farm save drivers who switch?

Auto insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to make an identical promise that you’ll save big after switching to them. How do they all say the same thing?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could be over the age of 40, has no tickets, and has a short commute. Any driver who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Potential customers who don’t meet the requirements will have to pay a more expensive rate and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can claim big savings. Because of the profiling, drivers must compare many company’s rates. You cannot predict the company that will fit your personal profile best.

Auto insurance specifics

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Coverage for collisions

This coverage covers damage to your Equinox resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they 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.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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 might see values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical services, court costs, funeral expenses, emergency aid and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, theft, fire damage, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart shoppers get results

In this article, we covered many tips how you can reduce 2015 Chevy Equinox insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company. These companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

Discount insurance can be bought on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

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