Searching for cheaper insurance for your Chevy Equinox can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to quote coverages for your Chevy and find the cheapest rates either online or from local insurance agents.
You need to price shop coverage at least once a year due to the fact that insurance rates change regularly. Even if you got the best deal for Equinox coverage a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you some guaranteed methods to reduce your car insurance bill.
Effectively comparing insurance prices can be challenging if you don’t know the most efficient way. You could waste time talking to insurance agencies in your area, or you could use online quoting to get the quickest rates.
Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company can give them a price based on that information. This saves time by eliminating quote requests to every company.
To submit your quote information now, click to open in new window.
The only drawback to using this type of form is you can’t choose which companies you want pricing from. If you would rather choose individual companies to compare rates, we have a page of companies who write insurance in your area. Click to view list.
It’s your choice how you get your quotes, but make sure you use identical information with every price quote. If you enter mixed coverages it will be next to impossible to find the best deal for your Chevy Equinox.
When choosing adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.
Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, X-ray expenses, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive auto insurance
This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
This will pay to fix damage to your Equinox caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like backing into a parked car, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.
Auto liability insurance
Liability coverage protects you from damages or injuries you inflict on other people or property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for things such as funeral expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.