2008 Chevrolet Equinox Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Equinox? Purchasing budget-priced auto insurance can appear to be intimidating for people new to quoting and comparing rates online. Since there are so many companies in the marketplace, how can anyone possibly compare each option to find the best pricing?

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Earn discounts to get lower-cost auto insurance rates

Not many people think insurance is cheap, but you may find discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

ABS and Traction Control Discounts – Cars that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
Save over 55 – Older drivers can possibly qualify for better auto insurance rates for Equinox coverage.
Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
Renewal Discounts – Some auto insurance companies provide a discount for switching to them early. You may see this discount when you get auto insurance quotes online.
Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% for Equinox coverage with some auto insurance companies.
Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
Cautious Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Equinox coverage than drivers with accident claims.
Defensive Driver – Taking a course that instructs on driving safety could earn you a small percentage discount if your company offers it.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride. But any discount will positively reduce the amount you have to pay.

Car insurance companies that may offer many of the previously listed discounts possibly include:

When quoting, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your state.

Informed consumers can cut insurance costs

Multiple criteria are part of the equation when you get a price on insurance. Most are fairly basic like your driving record, but some are more transparent like your vehicle usage or your vehicle rating.Part of the insurance buying process is learning the different types of things that come into play when calculating your premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get better insurance rates.

Extra policy coverages push up costs – Policies have extra coverages that can waste your money on your insurance policy. Add-on coverages like replacement cost coverage, accident forgiveness, and extra life insurance coverage may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past get rid of them and save.
Older drivers are lower risk – More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Beginning drivers have a tendency to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher.
Pleasure use saves money – The more you drive your Chevy in a year’s time the more you will pay for insurance. A lot of companies charge to insure your cars based upon how you use the vehicle. Vehicles that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Incorrect rating for your Equinox may be wasting your money. Ask your agent if your insurance policy correctly shows annual mileage.
File claims and pay more – If you’re an insured who likes to file claims you should expect either policy cancellation or increased premiums. Auto insurance companies award the lowest premiums to drivers who only file infrequent claims. Your car insurance is intended for claims that you cannot pay yourself.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions could help you determine whether you might need professional guidance.

Can I rate high risk drivers on liability-only vehicles?
Are all vehicle passengers covered by medical payments coverage?
What is high-risk coverage and where do I buy it?
Do I need PIP (personal injury protection) coverage in my state?
Are my friends covered when driving my 2008 Chevy Equinox?
Why am I required to get a high-risk car insurance policy?
Am I getting all the discounts available?
Am I covered if I break a side mirror?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Big brands don’t always mean big savings

Allstate, GEICO and Progressive regularly use television and radio advertisements. They all make an identical promise about savings after switching your policy. That’s great but how can every company offer drivers better rates? It’s all in the words they use.

Companies quote the lowest rates for the right customer that will generate a profit. A good example of a desirable insured may need to be between 30 and 50, has a clear driving record, and drives a lower-performance vehicle. Anybody who matches that profile will probably get the lowest car insurance rates and will probably save when switching.

Potential insureds who are not a match for this ideal profile may be forced to pay higher premiums which leads to the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently make those statements.

Each company has different criteria, so you absolutely need to get a wide range of price quotes. You cannot predict which company will fit you best based on your risk profile.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense insurance – Med pay and PIP coverage kick in for immediate expenses for surgery, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and 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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, court costs, repair costs for stationary objects, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Equinox.

Since a lot of drivers 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 is very important. Normally these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. 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.

And the best car insurance company is…

You just learned a lot of ways to lower your 2008 Chevy Equinox insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Drivers leave their current company for a number of reasons such as unfair underwriting practices, high prices, denial of a claim and even questionable increases in premium. It doesn’t matter what your reason, choosing a new company is less work than it seems.

Discount 2008 Chevy Equinox insurance is possible on the web in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies do not provide online price quotes and many times these smaller providers only sell coverage through independent insurance agents.

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