Cheap 2010 Chevrolet Equinox Car Insurance Quotes

Expensive insurance coverage can dwindle your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to cut your insurance bill. Numerous car insurance companies battle for your business, so it can be very hard to choose a insurer and uncover the absolute lowest cost out there.

It is always a good idea to shop coverage around occasionally because insurance rates tend to go up over time. Even if you think you had the best rates for Equinox insurance a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding insurance coverage online but by reading this article, you’re going to learn a lot of great tips on how to stop overpaying for insurance.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some may not be applied and must be manually applied before being credited. If they aren’t giving you every credit available, you are throwing money away.

  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not be available everywhere.

Comprehensive Auto Insurance Comparison

Lowering your 2010 Chevy Equinox auto insurance rates can be quick and easy. Just spend a little time comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotes for each company. Filling out one form will get you price quotes from multiple companies.
  2. A different way to obtain and compare quotes online requires a trip to each company’s website to request a price quote. For instance, let’s say you want to compare Auto-Owners, Progressive and Geico. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The most time-consuming method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. It is possible to find lower rates online and still use a local agent and you’ll learn how to do that later.

However you get your quotes, make sure you use the exact same information for each comparison quote. If you enter different liability limits it will be next to impossible to make an equal comparison.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions can help discover whether you could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • What is medical payments coverage?
  • Where can I find high-risk insurance?
  • Am I better off with higher deductibles on my 2010 Chevy Equinox?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Learn about auto insurance coverages for a 2010 Chevy Equinox

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average auto insurance policy.

Medical expense insurance

Med pay and PIP coverage kick in for bills such as X-ray expenses, funeral costs and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, damage from getting keyed, hitting a deer, fire damage and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage pays for damage to your Equinox resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Equinox.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability

This protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, funeral expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Be a penny pincher

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

The cheapest 2010 Chevy Equinox insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance coverage companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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