Compare 2013 Chevrolet Equinox Insurance Rates

Trying to find better car insurance rates for your Chevrolet Equinox? Paying for pricey Chevrolet Equinox insurance can overdraw your savings and force you to prioritize other expenses. Comparing cost estimates can save money and help to lower your monthly bill.

Due to the increasing number of choices of insurance companies, it is hard for the average consumer to find the lowest price insurer.

Choosing the best insurance company for you is not that difficult. Basically, every vehicle owner who shops for auto insurance should be able to save money. But consumers do need to understand how companies price online insurance because it can help you find the best coverage.

Learn how to lower your insurance prices

Multiple criteria are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your credit history or your financial responsibility.Consumers need to have an understanding of some of the factors that play a part in calculating auto insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that may reward you with big savings.

  • Youthful driver insurance costs – Youthful drivers have a tendency to be inattentive behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your policy can be quite pricey. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and usually have better credit.
  • Use one insurance company and save – Some auto insurance companies afford a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount applied, consumers should still compare rates to help ensure you have the lowest rates. Drivers may still save money even if you insure with multiple companies
  • More stress means more cost – Occupational choices like military generals, social workers and accountants tend to pay the highest rates attributed to high stress levels and incredibly demanding work hours. Other occupations like farmers, students and the unemployed get better rates for Equinox insurance.
  • Do you have enough liability insurance? – Liability insurance will afford coverage in the event that you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Save annual miles and save money – The more you drive your Chevy annually the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based upon how the vehicle is primarily used. Autos that do not get driven very much get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating states how each vehicle is driven. An improperly rated Equinox can result in significantly higher rates.

Where can I get the cheapest car insurance?

When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The simplest method to find affordable 2013 Chevy Equinox insurance rates is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.

  1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do repetitive form submissions for every car insurance company. One quote request gets you price quotes from several companies.
  2. A less efficient way to find more affordable insurance requires visiting the website for every company you want to comare and repeat the quote process. For instance, let’s assume you want comparison quotes from Auto-Owners, Progressive and Farmers. To find out each rate you need to navigate to each company’s site to enter your coverage information, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The old school method to compare rates is going to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you have a need for the personal advice that you can only get from talking to an agent. Although, it is possible compare the best prices online and have a local agent actually service the policy.

Which method you use is up to you, but be certain you are entering exactly the same coverages and limits on every price quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine which company has the best rates. Slightly different insurance coverages or limits could throw off the whole comparison. Just keep in mind that comparing a large number of companies helps improve the odds of finding more affordable rates. Some regional insurers cannot provide online quotes, so it’s necessary to compare price estimates from the smaller companies as well.

Discounts to earn cheap insurance rates

Companies offering auto insurance don’t list every available discount very well, so the below list has both well-publicized as well as the least known discounts that you may qualify for.

  • Resident Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Drive Less and Save – Driving fewer miles could qualify for substantially lower prices.
  • Defensive Driver – Taking time to complete a safe driver course could cut 5% off your bill if you qualify.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new model year vehicles.
  • Early Switch Discount – A few insurance companies give discounts for switching companies prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
  • Onboard Data Collection – Policyholders that allow driving data submission to analyze driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.
  • Discount for Multiple Policies – If you combine your auto and home policies and insure them with the same company you may earn up to 20% off your total premium.
  • Accident Forgiveness – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • ABS Brakes – Vehicles equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will cut the cost of your policy.

A list of companies and some of the premium reductions they offer are outlined below.

  • Farm Bureau has discounts for youthful driver, good student, 55 and retired, multi-vehicle, safe driver, and driver training.
  • MetLife offers discounts for accident-free, defensive driver, claim-free, good driver, multi-policy, and good student.
  • Progressive may offer discounts for online signing, multi-vehicle, homeowner, online quote discount, multi-policy, and continuous coverage.
  • AAA policyholders can earn discounts including good student, multi-policy, AAA membership discount, education and occupation, anti-theft, and multi-car.
  • American Family discounts include air bags, Steer into Savings, good student, accident-free, and good driver.
  • GEICO may include discounts for membership and employees, daytime running lights, good student, federal employee, driver training, anti-theft, and multi-policy.
  • State Farm offers discounts including passive restraint, good driver, defensive driving training, driver’s education, and safe vehicle.

Before purchasing a policy, check with every prospective company how you can save money. Some of the discounts discussed earlier may not apply in your state. If you would like to see a list of companies that offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I drive in a foreign country?
  • Can my babysitter drive my car?
  • When would I need additional glass coverage?
  • Can I afford to buy a different vehicle if my 2013 Chevy Equinox is totaled?
  • Do I need PIP coverage since I have good health insurance?
  • Should I carry comprehensive and collision coverage?
  • Does coverage extend to Mexico or Canada?
  • Are my friends covered when driving my car?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specific coverage details

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Collision coverages – This covers damage to your Equinox resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, driving through your garage door, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability – This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, attorney fees, repair costs for stationary objects, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

One last thing about your coverage

Some companies may not offer online rate quotes smaller providers only sell through independent insurance agencies. Affordable 2013 Chevy Equinox insurance can be bought both online and from local insurance agents, so you should compare both to get a complete price analysis.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

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