How Much Does 2010 Chevrolet Equinox Insurance Cost?

If you are a novice to online auto insurance shopping, you can easily be baffled thanks to the incredible selection of local and online companies that all promise to save you money.

Pricing affordable protection is simple if you know the tricks. Just about every vehicle owner who shops for insurance most likely will be able to find lower rates. Although drivers do need to learn how the larger insurance companies determine prices.

Quote insurance online

To find cheap quotes, there are a couple of ways to obtain and compare prices from lots of insurance companies. One of the best ways to find competitive Chevy Equinox insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. One of the best ways consumers can analyze rates is a comparison rater form (click to open form in new window). This quick form prevents you from having to do separate forms for each price estimate. Completing one form will return quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to obtain and compare quotes online is to manually visit each individual company website and repeat the quote process again and again. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, GEICO and Allstate. To find out each rate you need to visit each site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but be sure you’re using the same quote information on every quote. If you have unequal deductibles or liability limits you will not be able to make a fair rate comparison. Just slight variations in insurance coverages or limits may result in large price differences. Just keep in mind that getting more free quotes helps locate a lower rate than you’re paying now.

Get Chevy Equinox insurance for less

The best way to find cheaper insurance is to take a look at the different types of things that go into determining your premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in better insurance rates.

  • Buy as much liability coverage as you can afford – Your policy’s liability coverage will afford coverage when a jury decides you are liable for an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • High premiums for teen drivers – Teen drivers are known to be easily distracted when behind the wheel and because of this, their insurance rates are much higher. Older insureds are more responsible, tend to file fewer claims , and are generally more financially stable.
  • Do safer cars cost less to insure? – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries means your insurance company pays less and lower rates for you. If the Chevy Equinox has ratings of a minimum four stars on Safercar.gov you may pay a lower rate.
  • Single drivers may get higher rates – Getting married can actually save you money on your policy. It translates into being more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
  • Your address can impact rates – Living in less populated areas of the country is a good thing when buying insurance. Lower population corresponds to lower accident rates in addition to lower liability claims City drivers regularly have congested traffic and longer commutes to work. More time commuting can result in more accidents.
  • Gender and insurance – Statistics demonstrate females are less aggressive when driving. However, this does not mean women are better drivers. Females and males cause auto accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive insurance rates.

Take advantage of every insurance coverage discount

Companies offering auto insurance don’t list every possible discount in a way that’s easy to find, so the list below details both the well known and also the more inconspicuous discounts that may be available.

  • No Accidents – Claim-free drivers get the best insurance coverage rates when compared to bad drivers.
  • Drivers Ed for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Seat Belts Save – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
  • More Vehicles More Savings – Having multiple vehicles on one policy can get a discount for every vehicle.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and do not have a car could qualify for this discount.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, that’s just not realistic. Any amount of discount will bring down the cost of coverage.

The best insurance coverage companies and their offered discounts are shown below.

  • State Farm discounts include student away at school, safe vehicle, multiple autos, Drive Safe & Save, and multiple policy.
  • Progressive policyholders can earn discounts including online signing, good student, multi-policy, homeowner, and online quote discount.
  • Travelers may include discounts for driver training, multi-policy, home ownership, hybrid/electric vehicle, good student, multi-car, and new car.
  • American Family includes discounts for Steer into Savings, accident-free, good student, early bird, and bundled insurance.
  • Liberty Mutual may have discounts that include exclusive group savings, good student, new graduate, new move discount, and safety features.

Before you buy a policy, ask every insurance company how you can save money. Discounts might not be available to policyholders in your state. To view insurance coverage companies that provide some of the discounts listed above, click here to view.

How to know if you need help

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • Am I covered when driving someone else’s vehicle?
  • Do I need higher collision deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I rent a car in Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to get a high-risk car insurance policy?
  • Is business equipment covered while in my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This pays for damage to your Equinox resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, rolling your car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Equinox.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – Liability coverage protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like funeral expenses, bail bonds, emergency aid and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, funeral costs, rehabilitation expenses, doctor visits and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, fire damage, vandalism, falling objects and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

You can do this!

You just read a lot of tips how to reduce 2010 Chevy Equinox insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, poor customer service, extreme rates for teen drivers or unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance provider is not as hard as you think.

Some insurance providers do not offer online price quotes and many times these smaller providers provide coverage only through independent insurance agencies. Discount 2010 Chevy Equinox insurance is possible online and from local agencies, and you need to price shop both to get a complete price analysis.

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