Discover How to Get Lower Rates on Chevy Equinox Insurance

Have you fallen victim to high-priced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

There is such a variety of car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to compare rates.

Compare Quotes for Car Insurance

Most major insurance companies like State Farm and Allstate give prices for coverage on their websites. Getting online rates doesn’t take much effort as you simply type in the coverages you want as requested by the quote form. After the form is submitted, the company’s rating system collects information on your driving record and credit history and quotes a price. This streamlines rate comparisons, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to find better car insurance pricing.

An easier way to compare car insurance pricing is to use a quote form that gets prices from many companies. It saves time, requires much less work on your part, and makes rate comparisons much simpler. After your information is entered, it gets priced and you are able to buy any one of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

To find out how much you’re overpaying now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you type in your coverages as shown on your current policy. This helps ensure you will be getting a price comparison for exact coverage. car insurance quote

Factors that can influence Chevy Equinox insurance rates

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate your rates.

  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Your credit rating is important – Credit score is a large factor in your rate calculation. If your credit score is lower than you’d like, you could potentially save money when insuring your Chevrolet Equinox by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
  • Your occupation can affect rates – Did you know your job can affect your rates? Occupations like real estate brokers, architects and accountants tend to pay higher rates than average due to high stress and lengthy work days. On the flip side, professions such as actors, athletes and homemakers have the lowest average rates on Equinox coverage.
  • Big city or small town – Choosing to live in a small town can save you money when buying car insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.

Don’t overlook these discounts

Companies do not list every available discount in a way that’s easy to find, so we break down both the well known and the more hidden savings tricks you should be using.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates on Equinox coverage.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
  • College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Air Bag Discount – Factory air bags can qualify for discounts of more than 20%.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Equinox coverage depending on your company.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.

To choose providers with discount car insurance rates, click here to view.

quote Chevrolet Equinox insurance

Online plus local equals savings

We just covered many ideas to reduce Chevy Equinox insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Lower-priced Chevy Equinox insurance is definitely available online in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.