Cheap 2006 Chevrolet Equinox Car Insurance Quotes

Trying to find better auto insurance rates for your Chevrolet Equinox? Being forced to pay for pricey auto insurance premiums can draw down your monthly budget and force you to make sacrifices. Comparison shopping can lower your rates and help to slash your bill and have more diposable income.

Due to the large number of choices, it can be challenging to pick the cheapest insurer.

Locating the best protection is simple if you know the tricks. If you have a current car insurance policy or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers only need an understanding of how to compare prices online.

Cheapest insurance rate quotes

Comparing insurance rates can take time and effort if you don’t know the most efficient way. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most major companies participate in a marketplace that enables customers to only type in their quote data once, and each company can provide price quotes. This prevents consumers from doing quotation requests to every company.

To use this form to compare rates click here to open in new window.

The only downside to comparing rates this way is that consumers can’t choose the companies to get quotes from. So if you want to choose specific providers to compare rates, we have a listing of companies who write insurance in your area. Click to view list.

The method you choose is up to you, but make sure you use exactly the same coverages and limits on every quote. If you are comparing different liability limits you will not be able to make a fair rate comparison.

More affordable rates with discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but a few must be specially asked for before being credited.

Mature Driver Discount – If you’re over the age of 55, you are able to get reduced rates for Equinox coverage.
New Vehicle Savings – Buying a new car instead of a used car can save up to 30% because newer vehicles keep occupants safer.
Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if offered at their school.
Theft Deterent – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a insurance quote.
Employee of Federal Government – Federal government employees may reduce rates when you quote insurance for Equinox coverage with some auto insurance companies.
Include Life Insurance and Save – Larger companies have better prices if you take out a life insurance policy as well.
Driver Safety – Taking a class that teaches defensive driver techniques could save 5% or more and easily pay for the cost of the class.
Distant Student – Kids who attend college more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
No Accidents – Good drivers with no accidents can earn big discounts as opposed to insureds who have frequent claims or accidents.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

If you would like to choose from a list of insurance companies who offer auto insurance discounts, follow this link.

What is the best auto insurance coverage?

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

Am I covered if I hit my neighbor’s mailbox?
Will my rates increase for filing one claim?
I have health insurance so do I need medical payments coverage?
Do I need special endorsements for business use of my vehicle?
Do I need replacement cost coverage on my 2006 Chevy Equinox?
What happens if I owe more than my 2006 Chevy Equinox is worth?
Why am I required to buy liability insurance?
Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many 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 important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, dental work, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability insurance can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects, court costs and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.