2013 Chevrolet Equinox Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Equinox? Cutting costs on auto insurance can seem to be a challenge for people who are beginners to comparing prices online. With more and more companies, it can turn into a lot of work to find cheaper prices.

How to shop insurance online

Shopping for lower insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking about coverages with agents in your area, or you can utilize the internet to get prices fast.

Many of the larger companies take part in a program where prospective buyers send in one quote, and each company returns a competitive quote for coverage. This saves time by eliminating form submissions to each individual insurance company.

To compare rates using this form now click here (opens in new window).

The only drawback to getting quotes like this is that consumers can’t choose which carriers you want to price. If you wish to select specific providers to request quotes from, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare the same coverages on every quote. If you compare unequal deductibles or liability limits you will not be able to find the best deal for your Chevy Equinox. Just a small difference in insurance coverages or limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting a lower rate than you’re paying now.

Do auto insurance companies bend the truth?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads advertise the message of big savings if you get a free insurance quote and switch your auto insurance coverage to their company. Is it even possible that every company can claim to save you money? This is the trick they use.

Insurance providers are able to cherry pick for the type of driver that will add to their bottom line. A good example of a preferred risk might be between the ages of 40 and 55, carries full coverage, and has great credit. A customer getting a price quote who meets those qualifications may get the lowest prices as well as cut their rates substantially.

Consumers who don’t meet the “perfect” profile will see a higher rate and this results in the customer buying from a different company. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make claims like that. This really illustrates why you should get a wide range of price quotes. Because you cannot predict which company will have the best premium rates.

Insurance price influencing factors

Consumers need to have an understanding of the rating factors that aid in calculating your policy premiums. If you know what impacts premium levels, this helps enable you to make changes that can earn you better insurance coverage rates.

  • Vehicles with better crash test results save money – Safe vehicles get lower rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates. If your Chevy Equinox is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
  • City traffic equals higher rates – Residing in areas with lower population is a good thing when buying insurance coverage. Less people living in that area means less chance of accidents in addition to fewer liability claims. Residents of big cities tend to have more auto accidents and longer commute times. Spending more time driving means a statistically higher chance of an accident.
  • High credit rating translates to low prices – A driver’s credit score is a large factor in determining what you pay. Consumers who have very good credit scores tend to file fewer claims than those with lower credit ratings. If your credit rating is not that good, you could potentially save money when insuring your 2013 Chevrolet Equinox by spending a little time repairing your credit.
  • Extra coverages can cost a lot – There are a ton of extra add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages for personal injury protection, towing coverage, and extra life insurance coverage could be just wasting money. They may sound like good ideas when talking to your agent, but your needs may have changed so get rid of them and save.

Get affordable rates with these insurance coverage discounts

Buying insurance coverage is not cheap, but there could be significant discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you purchase, but some need to be asked about in order for you to get them.

  • College Student – College-age children who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Bundled Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you may save as much as 10 to 15 percent.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Good Student Discount – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for substantially lower prices.
  • Safety Restraint Discount – Requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Discounts for Responsible Drivers – Drivers without accidents can save as much as half off their rates for Equinox insurance as compared to drivers with claims.
  • Discount for Life Insurance – Larger insurance coverage companies have a discounted insurance coverage rate on car insurance if you buy life insurance.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.

Don’t be surprised that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts should help lower your policy premiums.

A partial list of companies that may offer quotes with most of the discounts above include:

If you want low cost insurance quotes, ask each company which discounts you may be entitled to. Some credits may not apply in every state. To view providers that offer some of these discounts, follow this link.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Is my cargo covered for damage or theft?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my babysitter drive my car?
  • Does insurance cover damages from a DUI accident?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverage basics

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This coverage will pay to fix damage to your Equinox resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, rolling your car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

This protects you from damage that occurs to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Equinox.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, prosthetic devices, chiropractic care, surgery and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

We just showed you a lot of techniques to lower your 2013 Chevy Equinox insurance prices. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with a lesser-known regional company.

Cheaper 2013 Chevy Equinox insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance providers do not provide online quoting and usually these regional insurance providers work with independent agents.

Consumers who switch companies do it for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, lack of trust in their agent and even delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company is easier than you think.

To learn more, feel free to visit the resources below: