Cheaper 2009 Chevrolet Equinox Insurance Quotes

Shopping for the most affordable insurance coverage on the web can be difficult for people who are new to comparing rates online. With such a large number of choices, how can drivers effectively compare every company to locate the best pricing?

Cheap Insurance Coverage Comparisons

There are multiple methods to compare 2009 Chevy Equinox insurance coverage prices and some are more efficient than others. You can waste hours talking to agents in your area, or you can utilize the web to get prices fast.

All the larger companies belong to an insurance system where insurance shoppers complete one form, and at least one company returns a competitive quote based on that data. This eliminates the need for quote forms for each company.

To compare pricing click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which insurance companies to get quotes from. If you prefer to choose from a list of companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using exactly the same quote information on every quote. If you use mixed coverages it’s impossible to make an equal comparison. Having just a slight variation in coverages could mean much higher rates. It’s important to know that quoting more helps you find better pricing.

Discounts can save BIG

Car insurance is not cheap, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some may not be applied and must be inquired about before you will receive the discount.

  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Memberships – Belonging to a professional or civic organization could trigger savings when shopping for insurance coverage on Equinox coverage.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • College Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • No Accidents – Claim-free drivers can save substantially when compared with drivers who are more careless.

It’s important to note that most credits do not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

To see a list of companies with the best insurance coverage discounts, click here.

Will just any policy work for me?

When it comes to choosing coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • How many claims can I have before being cancelled?
  • I don’t drive much so do I pay less?
  • Should I sign the liability waiver when renting a car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • Are rental cars covered under my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Who is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages explained

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

This will pay to fix damage to your Equinox resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, sideswiping another vehicle, rolling your car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Equinox.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, fire damage, theft, hitting a deer and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

This will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, 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. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, attorney fees, legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.