Save on 2017 Chevrolet Equinox Insurance Cost

No one in their right mind looks forward to paying for auto insurance, particularly when they could find better prices if they shop around. Having so many choices of insurance companies, it’s nearly impossible to locate the most cost effective auto insurance company.

Consumers should take time to quote other rates quite often because auto insurance rates fluctuate regularly. Even if you got the best premium rates for Equinox coverage six months ago you can probably find a better price now. There is a lot of wrong information about auto insurance online but by reading this article, you’re going to learn some great ideas on how to save money.

Discounts for affordable car insurance rates

Car insurance companies don’t always list all possible discounts in an easy-to-find place, so the below list has some of the more common and also the lesser-known discounts that you can inquire about if you buy insurance online. If you do not double check each discount available, you could be saving more on your car insurance.

  • Payment Discounts – By making one initial payment rather than paying monthly you may have a lower total premium amount.
  • Save over 55 – If you’re over the age of 55, you may qualify for better car insurance rates for Equinox coverage.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies that possibly offer many of the previously listed discounts may include but are not limited to:

Before purchasing a policy, check with every insurance company which discounts can lower your rates. Some discounts listed above may not be offered in your area. To locate insurance companies who offer free car insurance quotes, click this link.

Informed drivers save money

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are more obscure like your vehicle usage and annual miles driven.It’s important that you understand the different types of things that play a part in calculating your auto insurance rates. If you have a feel for what determines premiums, this enables informed choices that may result in lower auto insurance prices.

Listed below are just a few of the factors used by insurance companies to determine rates.

  • Certain jobs pay higher prices – Do you have a high-stress occupation? Occupations such as fire fighters, architects and medical professionals usually pay higher premiums than the average policyholder attributed to high stress levels and incredibly demanding work hours. On the flip side, occupations like scientists, athletes and homemakers have lower than average premiums for Equinox coverage.
  • Where you live can impact prices – Having an address in less populated areas is a good thing when buying auto insurance. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates. Drivers who live in large cities tend to have more auto accidents and longer commute times. More time on the road means a statistically higher chance of an accident.
  • Save money by eliminating extra policy coverages – There are a lot of extra bells and whistles that can waste your money but may not be useful. Insurance for personal injury protection, death and dismemberment, and term life insurance are examples of these. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
  • Being married brings a discount – Getting married may cut your premiums when shopping for auto insurance. Marriage is viewed as being more mature than a single person and statistics prove married drivers tend to file fewer claims.
  • Save money with good credit – Credit history is a big factor in calculating your premium rate. Insureds that have excellent credit tend to be more responsible and file fewer claims as compared to drivers with lower ratings. So if your credit is not that good, you could potentially save money when insuring your 2017 Chevrolet Equinox by improving your credit score.
  • Bundle policies to earn discounts – Most insurance companies apply discounts to customers that buy multiple policies in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to help guarantee you have the best rates. Drivers may still save even more by splitting coverages up.
  • Always keep your auto insurance policy in place – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance expire. In addition to paying higher premiums, not being able to provide proof of insurance can result in a steep fine or even jail time.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • How can I get my company to pay me more for my totalled car?
  • Will filing a claim cost me more?
  • Should I buy full coverage?
  • Should I have a commercial auto policy?
  • Is my custom paint covered by insurance?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, falling objects, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses like dental work, ambulance fees, hospital visits, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays for damage to your Equinox resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Equinox.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Spend less. Save more.

Cheap 2017 Chevy Equinox insurance can be bought from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies don’t offer price quotes online and most of the time these small insurance companies only sell through independent agents.

In this article, we presented a lot of information how to save on 2017 Chevy Equinox insurance. The key thing to remember is the more you quote insurance, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. They may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

Even more information is available by following these links: