Cheap 2018 Chevrolet Equinox Car Insurance Cost

Trying to find better car insurance rates for your Chevrolet Equinox? Having to pay for expensive Chevrolet Equinox insurance can drain your budget and put the squeeze on your family’s finances. Doing a rate comparison can lower your rates and help to make ends meet.

Numerous auto insurance companies battle to insure your vehicles, so it can be very hard to choose a company and get the definite cheapest price

It’s smart to get comparison quotes before your next renewal since prices are rarely the same from one policy term to another. Even if you got the best quotes for Equinox coverage at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to find out one of the best ways to find better coverage at a better price.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to learn the best way to get comparison rates on the web.

What impacts Chevy Equinox insurance costs?

Many different elements are part of the equation when pricing auto insurance. Some are obvious such as your driving record, but other factors are not as apparent like your continuous coverage or how safe your car is.

Listed below are some of the items companies use to determine your rates.

• Younger drivers are expensive to insure – Beginning drivers have been known to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher. If you’ve ever had to add a inexperienced driver to your policy can be very expensive. Mature drivers are more responsible, cost insurance companies less in claims and get fewer tickets.
• More traffic means higher claims – Residing in less populated areas has it’s advantages if you are looking for the lowest rates. Less people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities tend to have much more traffic and longer commutes to work. Spending more time driving means more chances of being involved in an auto accident.
• Drive less and get lower premiums – Driving more miles each year the more you’ll pay to insure it. The majority of insurers calculate prices based on how the vehicle is used. Cars that have low annual miles receive lower rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance policy states how each vehicle is driven. A policy that improperly rates your Equinox can cost quite a bit.
• Never have policy lapses – Driving your car without having proper coverage can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Traffic violations can increase costs – Drivers who don’t get tickets get better rates than their less careful counterparts. Only having one driving citation could increase your next policy renewal by as much as twenty percent. Drivers who have careless violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
• What’s your car’s safety rating? – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid and cheaper rates on your policy. If your Chevy is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Add-on coverages could be costing you – Insurance companies have many additional extra coverages that can waste your money if you aren’t careful. Add-on coverages like rental car coverage, accident forgiveness, and extra life insurance coverage are examples of these. They may sound like good ideas initially, but now you might not need them so get rid of them and save.

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Use discounts on car insurance

Some companies don’t necessarily list their entire list of discounts very well, so the following list contains a few of the more well known as well as the least known credits available to lower your premiums when you buy car insurance online.

• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles on one policy could earn a price break for each car.
• Claim Free – Drivers who don’t have accidents can save substantially as opposed to drivers with a long claim history.
• Discounts for Government Workers – Federal government employees could provide a small rate reduction for Equinox coverage depending on your car insurance provider.
• Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small discount on rates for Equinox coverage.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you could save 5% or more.

Keep in mind that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

For a list of companies that offer discounts, click here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.

• Is my camper covered by my car insurance policy?
• Can my teen driver be rated on a liability-only vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered when delivering products for my home-based business?
• Is extra glass coverage worth it?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Auto insurance policy coverages for a 2018 Chevy Equinox

Learning about specific coverages of your policy can help you determine 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. Listed below are typical coverage types found on most auto insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your Equinox from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages

This coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, medical services and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like ambulance fees, surgery, prosthetic devices and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Equinox.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

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Save for a rainy day

When shopping online for insurance coverage, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford.

Some insurance companies may not provide online rate quotes and these smaller companies only sell coverage through local independent agents. Cheap 2018 Chevy Equinox insurance can be sourced on the web and with local insurance agents, and you need to price shop both to have the best chance of lowering rates.

More information is located on the following sites:

• Teen Driver Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)

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