2012 Chevrolet Equinox Insurance Cost

Looking for lower insurance rates? Shoppers have lots of choices when shopping for affordable Chevy Equinox insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates and we’ll show you the proper way to compare rates for a new or used Chevy and locate the lowest possible price either online or from local insurance agents.

It’s important to compare premium rates quite often because insurance prices are constantly changing. Despite the fact that you may have had the lowest price for Equinox insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to teach you the quickest way to find lower rates on insurance.

If you are insured now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. This article will help you learn the best way to quote coverages and some tricks to saving. Consumers just need to learn the proper way to get comparison quotes on the web.

The most recommended method to compare rate quotes is to take advantage of the fact most larger insurance companies will pay a fee to compare their rates. All consumers are required to do is give them rating details such as daily mileage, coverage limits, how your vehicles are used, and how much education you have. Your insurance information is then submitted to multiple top-rated companies and you will receive price estimates within a short period of time.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy only the required minimum liability coverage?
  • How can I find cheaper teen driver insurance?
  • I don’t drive much so do I pay less?
  • What companies insure drivers after a DUI or DWI?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance policy specifics

Understanding the coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage covers damage to your Equinox caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Chevy Equinox.

Since many drivers 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 a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, pain medications, chiropractic care and dental work. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage