2016 Chevrolet Equinox Insurance Quotes

Looking for cheaper car insurance rates for your Chevrolet Equinox? Finding cheaper insurance for a new or used Chevy Equinox could be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to shop for car insurance and we’ll show you the best way to quote coverages for your Chevy and locate the lowest possible price from local insurance agents and online providers.

Consumers should take time to check car insurance prices before your policy renews because car insurance prices are rarely the same from one policy term to another. If you had the best quotes for Equinox coverage at your last renewal there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to find lower rates on car insurance.

How much does car insurance cost?

Finding a better price on car insurance isn’t really that difficult. The only thing you need to do is take time to compare rate quotes from different insurance companies. Rate comparisons can be done by following the guidelines below.

The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This quick form keeps you from doing multiple quote forms for each company. Taking the time to complete one form will return price quotes from all major companies. It’s the fastest way to compare.
A different way to find better pricing is to manually visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want to compare Progressive, State Farm and Liberty Mutual. You would have to go to every website and punch in your information repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but compare the same quote information for each quote you get. If you use different data you can’t possibly determine the lowest rate for your Chevy Equinox.

Find hidden discounts on auto insurance

Some companies don’t list every available discount very clearly, so the below list has both well-publicized as well as some of the hidden credits that may apply to you.

Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Professional Organizations – Participating in qualifying employment or professional organizations could qualify you for a break when shopping for auto insurance.
Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
No Claims – Insureds with no claims or accidents can save substantially when compared to drivers who are more careless.
Save with a New Car – Adding a new car to your policy can be considerably cheaper since new model year vehicles are generally safer.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A few popular companies and their offered discounts are included below.

GEICO has savings for driver training, federal employee, seat belt use, multi-policy, and good student.
Auto-Owners Insurance offers discounts for teen driver, multi-policy, multiple vehicles, company car, anti-lock brakes, and safe driver.
American Family includes discounts for Steer into Savings, accident-free, mySafetyValet, TimeAway discount, multi-vehicle, and good driver.
Esurance may include discounts for renters, DriveSense, online quote, homeowner, paid-in-full, and Switch & Save.
Progressive has discounts for online signing, multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, and homeowner.
State Farm offers premium reductions for driver’s education, Steer Clear safe driver discount, good student, safe vehicle, accident-free, and multiple policy.
AAA offers discounts including pay-in-full, good driver, anti-theft, good student, education and occupation, AAA membership discount, and multi-car.

If you are trying to find cheap insurance quotes, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to view companies who offer auto insurance discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation might need professional guidance.

Are my tools covered if they get stolen from my vehicle?
Is rental equipment covered for theft or damage?
Is extra glass coverage worth it?
Do I pay less if my vehicle is kept in my garage?
Should I rate my 2016 Chevy Equinox as pleasure use or commute?
Is pleasure use cheaper than using my 2016 Chevy Equinox to commute?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, damage from a tornado or hurricane, theft and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a ditch, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage pay for bills such as funeral costs, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

This will cover damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like bail bonds, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

2016 Chevrolet Equinox Insurance Quotes – 5 Tips to Save