2014 Chevrolet Equinox Insurance Quotes – 9 Tips for Cheapest Rates

Overpriced Chevrolet Equinox insurance can dwindle your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to cut your insurance bill. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive cheapest price

You should take the time to check car insurance prices before your policy renews since rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Equinox insurance last year there may be better deals available now. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the proper way to compare price quotes on the web.

Comprehensive Auto Insurance Comparison

Shopping for lower auto insurance rates can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Many of the larger companies take part in a program where insurance shoppers send in one quote, and at least one company can provide price quotes based on that data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose individual companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using identical deductibles and coverage limits on every quote you get. If your comparisons have differing limits you will not be able to determine the lowest rate for your Chevy Equinox.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be manually applied in order for you to get them. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • E-sign – Certain companies will give a small break for buying your policy digitally online.
  • Accident Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount when buying insurance for Equinox insurance.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Discount for Life Insurance – Larger companies have better rates if you take out auto and life insurance together.

It’s important to note that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will cut the amount you have to pay.

Companies who might offer these discounts include:

It’s a good idea to ask each company which discounts they offer. Savings may not be available in your area.

When should I talk to an agent?

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining if your situation might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • If my 2014 Chevy Equinox is totaled, can I afford another vehicle?
  • Am I covered when pulling a rental trailer?
  • Does my car insurance cover rental cars?
  • Does my 2014 Chevy Equinox qualify for pleasure use?
  • Is my 2014 Chevy Equinox covered for flood damage?
  • Will I lose any money if I cancel my policy before it expires?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions, then you may want to think about talking to 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 It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2014 Chevy Equinox.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage protection

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

Collision insurance covers things such as colliding with a tree, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, rock chips in glass, vandalism, damage from getting keyed and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. 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 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see 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 court costs, medical services, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Don’t be a big spender

Cost effective 2014 Chevy Equinox insurance is attainable both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, do not skimp on coverage in order to save money. Too many times, consumers will sacrifice full coverage only to regret at claim time that it was a big error on their part. The aim is to purchase plenty of coverage for the lowest price.

You just read many ways to shop for insurance online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a lesser-known regional company. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

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