If you’re new to shopping for insurance quotes online, it’s easy to get baffled by the crazy number of companies all promising to save you money.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Pricing more affordable protection is quite easy. Although car owners must comprehend how companies price online insurance.
When looking for low cost insurance quotes, there are a couple ways of comparing rates from auto insurance companies in your area. One of the best ways to compare 2013 Chevy Equinox insurance prices is to get quotes online. It’s really quite simple and can be done in a couple of different ways.
If you are pressed for time, the simplest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing boring form submissions for each price estimate. One simple form gets rate comparisons direct from many companies. It’s definitely the quickest method.
A less efficient way to get quotes online requires you to visit each company website to complete a price quote. For examples sake, let’s assume you want to compare rates from Farmers, State Farm and Travelers. To get rate quotes you would need to take the time to go to each site and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
Even if you have time, the least recommended way to find lower rates is driving around to and from local insurance agencies. The internet eliminates the middleman unless you want the advice and guidance of an agent trained in personal lines coverage. Although you can price shop online but have your policy serviced through an agent.
However you get your quotes, try to keep nearly identical coverage data for each comparison quote. If your comparisons have different deductibles it will be very difficult to make a fair comparison for your Chevy Equinox. Just a small difference in coverage limits can make a big difference in price. And when comparison shopping, comparing a large number of companies will enable you to find a better price. Not every company provides price estimates online, so it’s recommended that you also compare prices from them, too.
Car insurance companies don’t always advertise every possible discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find credits available to bring down your rates.
We need to note that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.
If you would like to see a list of insurers that provide some of the discounts listed above, follow this link.
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that might point out if your situation would benefit from professional advice.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Many different elements are used in the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious like your continuous coverage or your commute time.Consumers need to have an understanding of a few of the rating criteria that help calculate the price you pay for auto insurance. When consumers understand what determines premiums, this allows you to make good choices that can help you get much lower annual insurance costs.
Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, doctor visits, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hitting a bird, rock chips in glass, damage from flooding, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for liability
Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for 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. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as loss of income, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.
Collision insurance
Collision insurance covers damage to your Equinox from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
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. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.
Consumers change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, lack of trust in their agent and not issuing a premium refund. Regardless of your reason for switching companies, switching insurance companies can be less work than you think.
We’ve covered many ways to save on 2013 Chevy Equinox insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding inexpensive insurance. You may even find the most savings is with a small mutual company.
Cheap 2013 Chevy Equinox insurance can be found both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer internet price quotes and usually these smaller providers only sell through independent agents.