View 2005 Chevrolet Equinox Insurance Quotes

Looking for lower car insurance rates for your Chevrolet Equinox? Finding low-cost insurance for a new or used Chevy Equinox could be difficult, but you can learn the following methods to save time. There are both good and bad ways to buy car insurance and we’ll show you the best way to compare rates on a Chevy and locate the best price possible either online or from local insurance agents.

Insurance coverage discounts help reduce rates

Some insurance providers don’t always list the complete list of policy discounts in a way that’s easy to find, so we researched both the well known as well as the least known discounts that may be available. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Discount for Low Mileage – Low annual miles could be rewarded with better rates on cars that stay parked.
  • Sign Online – A handful of companies may give you up to $50 for completing your application digitally online.
  • Early Payment Discounts – By making one initial payment rather than spreading payments over time you can actually save on your bill.
  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction for Equinox coverage with certain companies.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Driver Safety – Participating in a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, you won’t be that lucky. Any qualifying discounts will help lower the cost of your policy.

Some companies that may offer these benefits include:

Before you buy a policy, ask all companies you are considering to give you their best rates. All car insurance discounts may not be offered in your area.

Which is the best insurance coverage?

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Are my tools covered if they get stolen from my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • At what point should I drop full coverage?
  • How do I buy GAP insurance?
  • Is my 2005 Chevy Equinox covered for smoke damage?
  • What vehicles should carry emergency assistance coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance coverage options for a Chevy Equinox

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Equinox.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as chiropractic care, surgery, funeral costs, prosthetic devices and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your Equinox resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, colliding with another moving vehicle, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

And the best car insurance company is…

Insureds leave their current company for a variety of reasons including lack of trust in their agent, high prices, not issuing a premium refund and poor customer service. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Some auto insurance companies may not provide online price quotes and usually these smaller providers provide coverage only through independent insurance agents. Budget-friendly auto insurance is attainable both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis.

We just presented many ways to reduce 2005 Chevy Equinox insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher your chance of finding low cost insurance. Drivers may discover the lowest premium rates are with a small mutual company.

Additional information