2010 Chevrolet Equinox Insurance Quotes

Trying to find better auto insurance rates for your Chevrolet Equinox? Searching for better insurance prices for a new or used Chevy Equinox can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to get price quotes for a Chevy and locate the best price possible.

More discounts mean cheap premiums

Some providers don’t always advertise every available discount very clearly, so the list below gives a summary of both well-publicized and the more hidden credits available to bring down your rates.

  • More Vehicles More Savings – Buying a policy with more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • E-sign – Some car insurance companies will give a small break for buying your policy on the internet.
  • Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Driving Data Discount – Drivers who elect to allow data collection to study when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
  • Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates on Equinox coverage than drivers with accident claims.
  • Savings for New Vehicles – Putting coverage on a new car can save you some money since new model year vehicles have better safety ratings.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

If you would like to choose from a list of companies with the best discounts, click here to view.

Cheap insurance coverage quotes

Shopping for lower insurance coverage rates can be challenging if you don’t utilize the most efficient way. You can waste a lot of time driving to agents in your area, or you could use the web to get rates in a matter of minutes.

Many insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms for every insurance coverage company.

To find out how much you can save on insurance coverage click here to start a free quote.

The single downside to getting quotes like this is you are unable to specify which companies to get pricing from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to enter the exact same coverages with each company. If you use different liability limits it’s not possible to make a fair comparison for your Chevy Equinox.

Lower the price of insurance coverage with these tips

Consumers need to have an understanding of the different types of things that help calculate your premiums. When you know what positively or negatively determines premiums, this enables informed choices that may reward you with big savings. Lots of factors are used when pricing auto insurance. Some are obvious like your driving record, although some other factors are not as apparent like where you live or how safe your car is.

  • Having a spouse is a good thing – Being married may cut your premiums on your insurance coverage bill. Marriage means you’re more mature and responsible and insurance companies like that married drivers get in fewer accidents.
  • Liability protection safeguards assets – The liability section of your policy is the protection if ever you are responsible for damages caused by your negligence. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Where you live can affect premiums – Living in a small town is a good thing when talking about insurance coverage. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Residents of big cities have to deal with more aggressive driving styles and more time behind the wheel. Longer commute distances translates into higher accident risk.
  • Do you know your deductibles? – The deductibles tell how much you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, animal collisions, and damage from wind. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on Equinox coverage.
  • Rate your vehicle for proper use – The more you drive your Chevy in a year the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. An incorrectly rated Equinox can result in significantly higher rates. It’s a good idea to make sure your insurance coverage policy correctly shows how each vehicle is driven, because it can save money.
  • Cheaper insurance coverage rates for being claim-free – Insurance companies provide lower rates to insureds who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is intended for claims that you cannot pay yourself.
  • Pay more by driving carelessly – Your driving citation history has a huge affect on how much you pay. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one chargable violation could increase your next policy renewal twenty percent or more. People who have multiple violations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Stress out and pay more – Do you work in a high-stress field? Occupational choices like real estate brokersair traffic controllers and dentists generally have higher premiums than the average policyholder due to high stress levels and incredibly demanding work hours. Other careers such as scientists, students and retirees generally pay rates lower than average on Equinox coverage.

It’s not one size fits all

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions can help discover whether or not you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I need special endorsements for business use of my vehicle?
  • What discounts do I qualify for?
  • Is my nanny covered when driving my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I get a pro-rated refund if I cancel my policy early?
  • If my 2010 Chevy Equinox is totaled, can I afford another vehicle?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance ads are enticing

Consumers can’t get away from all the ads that promise big savings for switching from companies such as State Farm, Allstate and GEICO. All the companies have a common claim about savings if you switch your insurance policy to them.

How is it plausible that every one can offer you a better deal? You have to listen carefully.

Different companies have a certain “appetite” for the driver they prefer to insure. One example of a driver they prefer might have to be between 25 and 40, has few claims, and insures a new vehicle. A customer who meets those qualifications may get the lowest rates and will save some money.

Potential insureds who may not quite match the ideal profile must pay a higher rate and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can state the savings. Because each company has a different risk profile, you need to get insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will be your best fit.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Equinox.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses for EMT expenses, surgery, rehabilitation expenses, dental work and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, rolling your car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This 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 coverage pays for things like rock chips in glass, hitting a deer, damage from flooding and hitting a bird. 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.

Make an honest buck

We’ve covered some good ideas how you can reduce 2010 Chevy Equinox insurance prices online. The key concept to understand is the more you quote insurance, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from an unexpected company.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, high prices and questionable increases in premium. No matter why you want to switch, switching companies can be easier than you think.

Cheaper 2010 Chevy Equinox insurance can be bought on the web and also from your neighborhood agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and these regional carriers only sell coverage through independent agencies.

For more information, take a look at the resources below: