2011 Chevrolet Equinox Insurance Cost – 9 Tips for Cheapest Prices

Want better insurance coverage rates for your Chevrolet Equinox? Trying to find better insurance prices for your Chevy Equinox can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to buy insurance coverage and you need to know the proper way to get price quotes on a Chevy and find the cheapest rates from both online companies and local agents.

Do you qualify for discount car insurance?

Car insurance is not an enjoyable expense, but there could be significant discounts that many people don’t even know exist. Certain reductions will be credited when you complete an application, but less common discounts must be asked for in order for you to get them.

  • Paperwork-free – Some insurance companies may give you up to $50 simply for signing on the internet.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
  • Multiple Cars – Purchasing coverage when you have multiple vehicles on one policy qualifies for this discount.
  • Membership in Organizations – Affiliation with certain professional organizations could trigger savings on your bill.
  • Federal Government Employee – Active or former government employment can save as much as 8% for Equinox coverage with some car insurance companies.
  • Distant Student – College-age children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • ABS Brakes – Cars that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Onboard Data Collection – Policyholders that allow data collection to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies and some of their more popular discounts can be found below.

  • GEICO may offer discounts for federal employee, five-year accident-free, multi-policy, seat belt use, anti-theft, military active duty, and driver training.
  • Auto-Owners Insurance policyholders can earn discounts including anti-theft, good student, multi-policy, student away at school, air bags, and teen driver.
  • American Family offers discounts for early bird, accident-free, multi-vehicle, defensive driver, and air bags.
  • Esurance has savings for safety device, online shopper, good student, Switch & Save, anti-theft, emergency road assistance, and good driver.
  • Progressive offers premium reductions for online signing, homeowner, online quote discount, good student, multi-policy, continuous coverage, and multi-vehicle.
  • State Farm may have discounts that include student away at school, multiple policy, multiple autos, defensive driving training, Drive Safe & Save, and driver’s education.
  • AAA has discounts for good driver, pay-in-full, multi-car, AAA membership discount, and anti-theft.

If you need the cheapest car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in your state. To see a list of car insurance companies that offer multiple discounts, click here to view.

How to get insurance price quotes

Finding a better price on insurance is not rocket science. All you need to do is spend a few minutes comparing rate quotes online from several insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

  1. Experts agree that the best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do boring form submissions for every prospective company. Taking the time to complete one form gets coverage cost estimates from multiple companies. It’s the fastest way to compare.
  2. A slightly less efficient method to compare rate quotes consists of going to the website for every company you want to comare and repeat the quote process. For example, we’ll assume you are doing a rate comparison from Progressive, Esurance and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.
  3. The last method to get rate quotes is going to each insurance agency near you. Buying insurance online makes this process obsolete unless you want the professional guidance of a local agency. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

Compare rates however you want, just make sure you compare apples-to-apples quote information on every quote you get. If the quotes have different coverage information it’s not possible to determine which rate is truly the best.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining if you will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less if my vehicle is kept in my garage?
  • Is there coverage for injuries to my pets?
  • When should I remove comp and collision on my 2011 Chevy Equinox?
  • Am I covered if I hit a deer?
  • What can I do if my company denied a claim?
  • What vehicles should carry emergency assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What is medical payments coverage?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, hail damage, vandalism, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Equinox resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability

This provides protection from damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, pain and suffering and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, doctor visits, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Make an honest buck

The cheapest 2011 Chevy Equinox insurance can be found online and from local agencies, and you need to comparison shop both to have the best selection. Some companies do not offer online rate quotes and these smaller providers provide coverage only through independent insurance agents.

Throughout this article, we presented quite a bit of information on how to reduce 2011 Chevy Equinox insurance auto insurance rates online. The key thing to remember is the more times you quote, the better likelihood of getting low cost car insurance. You may even discover the best auto insurance rates are with some of the smallest insurance companies.

People switch companies for a variety of reasons including policy non-renewal, policy cancellation, questionable increases in premium and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is actually quite simple.

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