2016 Chevrolet Equinox Car Insurance Quotes

Want lower car insurance rates? Drivers have options when trying to find low-cost Chevy Equinox insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There are both good and bad ways to shop for car insurance and you need to know the best way to compare rates for your Chevy and get the lowest price either online or from local insurance agents.

Smart consumers take time to get comparison quotes yearly because prices change quite often. Just because you had the best price on Equinox coverage at your last renewal you may be paying too much now. Ignore everything you know about car insurance because you’re about to learn the things you must know in order to remove unneeded coverages and save money.

Low cost car insurance

All the larger car insurance companies allow you to get pricing direct online. Comparing rates online is pretty painless as you simply type in on the page. After the form is submitted, their rating system requests reports for credit and driving violations and returns a price quote determined by many factors.

Quoting online makes it easy to compare insurance prices but the work required to visit many different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you want to get the lowest price.

A better way to compare car insurance pricing makes use of a single form to return rates from a lot of companies. It saves time, eliminates repetitive work, and makes rate comparisons much simpler. As soon as the form is sent, it is rated and you are able to buy your choice of the quote results. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process only takes a few minutes and may result in a nice savings.

To quickly compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you copy your coverages just like they are on your policy. This guarantees you are getting a fair comparison using the same coverage and limits.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • I don’t drive much so do I pay less?
  • Am I covered if I drive in a foreign country?
  • Can my teen drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • How do I buy GAP insurance?
  • Do I have newly-aquired coverage?
  • When should I buy a commercial auto policy?
  • I have health insurance so do I need medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an 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 you can get the answers you need.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage

This coverage pays for damage to your Equinox caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, a broken windshield, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, medical expenses, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like chiropractic care, rehabilitation expenses, dental work and surgery. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Equinox.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.