2014 Chevrolet Equinox Insurance Rates

Searching for lower auto insurance rates for your Chevrolet Equinox? Are you frustrated by the dozens of auto insurance sources available to you? You have so many sources to choose from that it can quickly become a burden to locate the lowest premium rates.

It’s smart to take a look at other company’s rates once or twice a year due to the fact that insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rates for Equinox insurance a couple years back a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to save on auto insurance.

How to compare free auto insurance price quotes

All the larger auto insurance companies allow consumers to get price estimates on the web. Comparing rates online is pretty painless as you just enter your coverage preferences into the form. Behind the scenes, the company’s rating system sends out for reports for credit and driving violations and returns a price quote based on the data you entered.

This streamlines rate comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to get a lower rate.

An easier way to lower your rates uses just one form that gets prices from a lot of companies. This type of form saves time, requires much less work on your part, and makes rate comparisons a lot less work. Immediately after submitting the form, your coverage is rated and you can select any of the quotes returned. If you find a better price you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To compare rates using this form now, click here and submit the form. If you have coverage now, it’s recommended you duplicate exactly as they are listed on your policy. This way, you’re receiving a price comparison for exact coverage.

You may qualify for discounts

Auto insurance is neither fun to buy or cheap, but you can get discounts to help bring down the price. Some discounts will apply at the time of purchase, but a few must be inquired about before you will receive the discount.

  • Online Discount – Many companies will provide an incentive for buying your policy on your computer.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
  • Telematics Discount – Policyholders that allow their company to look at vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Low Mileage Discounts – Maintaining low annual mileage could earn discounted rates on garaged vehicles.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Larger auto insurance companies and the discounts they provide can be read below.

  • Farmers Insurance has discounts for alternative fuel, youthful driver, mature driver, bundle discounts, teen driver, switch companies, and early shopping.
  • State Farm offers discounts including good student, multiple policy, multiple autos, passive restraint, accident-free, and Steer Clear safe driver discount.
  • Liberty Mutual may have discounts that include hybrid vehicle, multi-car, preferred payment discount, teen driver discount, new graduate, and new vehicle discount.
  • MetLife policyholders can earn discounts including good driver, multi-policy, defensive driver, good student, claim-free, and accident-free.
  • Progressive has savings for online signing, continuous coverage, multi-vehicle, online quote discount, and good student.

If you want cheap insurance coverage quotes, ask every insurance company which discounts you qualify for. All car insurance discounts may not apply to policyholders everywhere.

There’s no such thing as the perfect car insurance policy

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • Is a blown tire covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Do I really need UM/UIM coverage?
  • Should I get collision insurance on every vehicle?
  • Does medical payments coverage apply to all occupants?
  • Is my babysitter covered when using my vehicle?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Specific coverages for a 2014 Chevy Equinox

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like court costs, legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hitting a deer, damage from getting keyed, vandalism and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2014 Chevy Equinox.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, dental work, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Equinox from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

A tidy conclusion

People change insurance companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, being labeled a high risk driver and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

We’ve covered a lot of ways to save on 2014 Chevy Equinox insurance. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding cheap insurance coverage. Consumers could even find that the lowest priced auto insurance comes from the smaller companies.

There are still a few companies who may not provide online quoting small, regional companies only sell through local independent agencies. Discount 2014 Chevy Equinox insurance is possible on the web as well as from insurance agents, and you should be comparing both to get a complete price analysis.

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