How Much Does 2008 Chevrolet Equinox Car Insurance Cost?

Trying to find better car insurance rates for your Chevrolet Equinox? Having to pay for overpriced Chevrolet Equinox insurance can empty your savings account, especially in this economy. Shopping your coverage around is a smart way to cut your insurance bill. Consumers have many car insurance companies to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

Consumers need to shop coverage around quite often because insurance rates tend to go up over time. Despite the fact that you may have had the lowest price on Equinox coverage a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out the fastest and easiest way to reduce your cost while improving coverage.

The quickest method to compare policy rates is to take advantage of the fact most larger insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is provide a small amount of information including the type of vehicles you drive, if you lease or own, driver ages, and daily mileage. The rating information gets transmitted to multiple car insurance providers and they return rate quotes very quickly.

What is the best insurance coverage?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions can help discover if your insurance needs could use an agent’s help.

• Is a blown tire covered by insurance?
• What is an SR-22 filing?
• Am I insured when driving a different vehicle?
• Am I covered by my spouse’s policy after a separation?
• Is my 2008 Chevy Equinox covered for flood damage?
• What are the best liability limits?
• Does insurance cover tools stolen from my truck?
• Am I covered if I hit a deer?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hitting a deer, vandalism, fire damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like prosthetic devices, dental work and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants 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. For this reason, having high UM/UIM coverages should not be overlooked.