2011 Chevrolet Equinox Insurance Rates – 7 Ways to Save

Finding the cheapest auto insurance online is problematic for beginners to buying insurance on the web. Since there are so many online companies, how can consumers even start to compare the different rates to find the cheapest available price?

You need to check auto insurance prices once or twice a year because insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates for Equinox coverage six months ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because we’re going to show you the things you must know in order to lower your annual insurance bill.

Cut your premium with these seven discounts

Companies don’t necessarily list all available discounts very well, so we break down both well-publicized and the more hidden ways to save on insurance coverage.

  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break when buying insurance coverage for Equinox coverage.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Equinox coverage than their less cautious counterparts.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Equinox coverage depending on your company.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these benefits are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not be offered in your area.

The best way we recommend to compare car insurance rates is to know the fact most of the bigger providers allow for online access to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information like whether the vehicles are used for commuting, which vehicles you own, how much education you have, and if you have a valid license. That information is sent automatically to all major companies and you will get price comparisons with very little delay.

To find the cheapest Chevy Equinox insurance rates, click here then complete the form.

What is the best insurance coverage?

When buying adequate coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions could help you determine whether or not you may require specific advice.

  • Is a fancy paint job covered?
  • Is my 2011 Chevy Equinox covered for flood damage?
  • Is my teen driver covered when they drive my company car?
  • Will filing a claim cost me more?
  • How can I find cheaper teen driver insurance?
  • Will my insurance pay for OEM parts?
  • Are my friends covered when driving my 2011 Chevy Equinox?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability – This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, legal defense fees, medical services, funeral expenses and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision insurance covers damage to your Equinox resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Equinox.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, chiropractic care, X-ray expenses, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

You just learned quite a bit of information on how to save on 2011 Chevy Equinox insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the most savings is with some of the smallest insurance companies.

Affordable insurance is possible online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Drivers leave their current company for a number of reasons such as policy non-renewal, poor customer service, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, finding a new insurance company is actually quite simple.

For more information, feel free to browse the resources below: