2013 Chevrolet Equinox Insurance Quotes – 10 Discounts for Cheaper Rates

Searching for cheaper insurance rates for your Chevrolet Equinox? I can’t think of a single person who enjoys paying for insurance, especially knowing their premiums are too high.

Due to the fact that there are so many insurance companies to choose from, it is hard for the average consumer to find a more affordable insurance company.

It’s a good idea to price shop coverage occasionally because prices change regularly. Despite the fact that you may have had the lowest price for Equinox insurance a few years ago there may be better deals available now. There are a lot of ways to save on insurance online, but in a few minutes you can learn a bunch of ideas how to buy insurance cheaper.

Which car insurance is cheapest?

The are a couple different ways to obtain and compare prices from all the different companies. The easiest way by far to compare rates is simply to get online rate quotes. This can be accomplished in several different ways.

1. The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for boring form submissions for each price estimate. One simple form compares rates from several companies.
2. A different way to find more affordable insurance requires you to visit the website for each individual company and go through the quote process again. For sake of this example, let’s assume you want to view quotes from USAA, Geico and State Farm. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter nearly identical coverage limits and deductibles on every price quote you get. If each company quotes different values for each quote it will be impossible to determine which company has the best rates. Even a minor difference in limits can mean a large discrepancy in price. It’s important to know that more quotes will enable you to find a lower rate than you’re paying now. Some insurance companies are not set up to provide rate quotes online, so you need to compare prices from the smaller companies as well.

It’s not one size fits all

When it comes to choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

• Is a new car covered when I drive it off the dealer lot?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does car insurance cover theft of personal property?
• Should I buy only the required minimum liability coverage?
• Which is better, split liability limits or combined limits?
• What is roadside assistance coverage?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Coverage for liability – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see 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 $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but buy as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Equinox from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, damaging your car on a curb, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, ambulance fees, dental work, hospital visits and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2013 Chevy Equinox.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.