2005 Chevrolet Equinox Insurance Quotes – 7 Tricks for Cheapest Rates

Looking for better insurance coverage rates for your Chevrolet Equinox? Shopping for lower priced insurance coverage might seem difficult for beginners to comparing and buying insurance coverage on the internet. With so many insurance agents and online companies, how can drivers be able to compare every company in order to find the lowest rates?

Smart consumers take time to compare premium rates occasionally because prices are variable and change quite frequently. Even if you think you had the lowest rates for Equinox insurance last year a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

How to compare free car insurance quotes

The are a couple different ways of comparing rates from companies that offer car insurance in your state. The recommended way to find affordable Chevy Equinox insurance rates consists of shopping online. This is very easy and can be done by using one of the methods below.

  1. The fastest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This style of form prevents you from having to do a different quote for every car insurance company. One form will return price quotes direct from many companies. It’s the fastest way to compare.
  2. A different way to compare prices is going to the website of each company and fill out a new quote form. For instance, we’ll assume you need rates from Allstate, Farmers and State Farm. You would need to go to every website and repeatedly enter your information, and that explains why we recommend the first method.

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

It’s your choice how you get your quotes, but make sure you use identical information with every price quote. If you use different liability limits you will not be able to determine the best price for your Chevy Equinox. Quoting even small variations in limits may cause a big price difference. And when comparing car insurance rates, know that comparing more quotes increases the change that you will find better pricing. Not every company allows you to get quotes online, so it’s important to also get quotes from the smaller companies as well.

Save money with these seven auto insurance discounts

Auto insurance companies do not list every discount in a way that’s easy to find, so we break down a few of the more well known as well as the least known credits that may apply to you.

  • Homeowners Savings – Simply owning a home may trigger a policy discount on auto insurance because it requires personal responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote for Equinox insurance as compared to drivers with claims.
  • Telematics Discount – Insureds that choose to allow companies to study vehicle usage by using a telematic data system like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Equinox insurance depending on your auto insurance provider.
  • E-sign – Certain larger companies may give you up to $50 shop car insurance on their website.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will cut your overall bill.

To find companies that provide some of the discounts listed above, click here.

Auto insurance can get complicated

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions could help you determine if you might need professional guidance.

  • Should I have a commercial auto policy?
  • Am I covered when driving a rental car?
  • Does insurance cover damages from a DUI accident?
  • What is an SR-22 filing?
  • Does insurance cover tools stolen from my truck?
  • Is my 2005 Chevy Equinox covered for smoke damage?
  • Am I covered when delivering products for my home-based business?
  • Do I need rental car coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form.

Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

This can cover damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, legal defense fees and funeral expenses. 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.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Equinox.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

This covers damage to your Equinox resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, nursing services, chiropractic care, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by 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. Personal Injury Protection is not universally available and may carry a deductible

Make an honest buck

Drivers switch companies for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, questionable increases in premium or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Affordable 2005 Chevy Equinox insurance can be bought on the web in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not offer online rate quotes and these small, regional companies only sell coverage through independent insurance agents.

More tips and info about insurance coverage is available at these sites: