Lower Your 2016 Chevrolet Equinox Car Insurance Quotes

Finding lower rates for insurance coverage can seem to be challenging for beginners to buying insurance online. Consumers have so many options available that it can turn into a big hassle to compare prices.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Buying the best insurance coverage coverage is quite easy. Nevertheless, car owners must know how the larger insurance companies sell online because it can help you find the best coverage.

More discounts equal less premium

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but a few must be manually applied before being credited.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums on Equinox insurance.
  • Driver Safety – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Homeowners Pay Less – Being a homeowner can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

It’s important to note that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurers with discount auto insurance rates, click this link.

How to Compare Auto Insurance Costs

Effectively comparing auto insurance prices is a ton of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing form submissions to each company.

To get comparison pricing now click here to open in new window.

The only downside to using this type of form is you don’t know exactly which carriers to get quotes from. So if you want to select individual companies for rate comparison, we have a page of auto insurance companies in your area. Click to view list.

Whichever method you choose, compare apples-to-apples coverages on every quote you get. If you are comparing different deductibles it will be next to impossible to truly determine the lowest rate. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, getting more free quotes gives you a better chance of getting a better price.

It’s not one size fits all

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions could help you determine if you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • Is my state a no-fault state?
  • Am I covered if I break a side mirror?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if I crash into my own garage door?
  • Does my policy cover me when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • If I drive on a suspended license am I covered?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy coverages for a Chevy Equinox

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, theft, hail damage and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Equinox.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, court costs, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, pain medications, X-ray expenses, EMT expenses and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Knowledge is power

Discount 2016 Chevy Equinox insurance is definitely available on the web in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ideas to lower your insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the most savings is with the least-expected company.

People leave their current company for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, policy non-renewal and even high prices. Regardless of your reason, choosing a new insurance company can be easier than you think.

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