2011 Chevrolet Equinox Insurance Rates

Are you burned out from sacrificing other expenses to insure your Chevy every month? You’re in the same situation as millions of other consumers. You have multiple insurance companies to choose from, and although it’s a good thing to have multiple companies, more choices can make it harder to locate the cheapest rates.

It is always a good idea to shop coverage around as often as possible because rates are adjusted regularly by insurance companies. If you had the best premium rates for Equinox insurance last year you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to find lower rates on car insurance.

The fastest way that we advise to get rate comparisons is to know the fact car insurance companies participate in online systems to provide you with a free rate quote. To begin a comparison, all you need to do is provide information like how much education you have, whether the vehicles are used for commuting, marital status, and level of coverage desired. Your information gets sent immediately to many highly-rated insurers and they respond with quotes immediately.

Save money with discounts

Companies don’t always publicize all disounts in a way that’s easy to find, so the below list has both the well known as well as some of the hidden discounts that you may qualify for.

  • Renewal Discounts – Select larger companies give a discount for buying a policy before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Homeowners Pay Less – Just being a homeowner can help you save on insurance coverage since home ownership demonstrates responsibility.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for better insurance coveragerates on cars that stay parked.
  • Online Discount – Many insurance coverage companies may give you up to $50 get car insurance over the internet.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may earn rate discounts up to 30%.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of companies and the discounts they provide are included below.

  • State Farm includes discounts for passive restraint, safe vehicle, anti-theft, multiple policy, defensive driving training, accident-free, and Steer Clear safe driver discount.
  • Geico policyholders can earn discounts including membership and employees, emergency military deployment, anti-lock brakes, military active duty, and five-year accident-free.
  • Allstate offers discounts for premier plus, resident student, passive restraint, 55 and retired, anti-theft, eSmart discount, and new car.
  • SAFECO may offer discounts for teen safety rewards, safe driver, drive less, teen safe driver, multi-car, and anti-theft.
  • Farm Bureau has discounts for renewal discount, safe driver, multi-policy, good student, driver training, 55 and retired, and multi-vehicle.
  • Progressive has savings for continuous coverage, multi-vehicle, online signing, good student, homeowner, multi-policy, and online quote discount.
  • AAA offers premium reductions for pay-in-full, AAA membership discount, anti-theft, good student, education and occupation, and multi-policy.

When comparing rates, check with all companies you are considering which discounts they offer. Some discounts listed above may not be offered in your state. To view insurance companies who offer free insurance coverage quotes, click here.

What is the best auto insurance coverage?

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining if you might need professional guidance.

  • Am I better off with higher deductibles on my 2011 Chevy Equinox?
  • Is my trailer covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Are rental cars covered under my policy?
  • Is rental equipment covered for theft or damage?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This will pay to fix damage to your Equinox caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Equinox.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in 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 limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but buy as much as you can afford.

The best insurance company isn’t always the cheapest

You just read a lot of techniques to get a better price on 2011 Chevy Equinox insurance. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

When you buy car insurance online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The proper strategy is to find the BEST coverage at the best cost while not skimping on critical coverages.

More detailed insurance information is available at these sites: