I can’t think of a single person who likes paying for insurance coverage, particularly when the cost is way too high. Lots of insurance companies contend for your business, so it can be very hard to choose a insurance company to get the cheapest price
It is always a good idea to get comparison quotes on a regular basis because prices change frequently. If you had the lowest rates on Equinox coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the best methods to properly buy coverages while reducing your premium.
If you have a policy now or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Drivers only need an understanding of the proper methods to compare rates online.
Cutting your car insurance rates is a fairly straight forward process. Drivers just need to take time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.
For a list of links to insurance companies in your area, click here.
It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same deductibles and coverage limits for every quote you compare. If you have unequal deductibles or liability limits it’s not possible to make an equal comparison.
Companies that sell car insurance don’t necessarily list all their discounts very well, so here is a list some of the more common and the harder-to-find auto insurance savings. If you don’t get every credit possible, you’re paying more than you need to.
It’s important to note that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.
Car insurance companies that may offer some of the above discounts may include but are not limited to:
Check with each insurance company which discounts you may be entitled to. Discounts may not be available in your state.
When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might help in determining if your insurance needs might need professional guidance.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.
Auto liability – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like court costs, bail bonds, medical expenses, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
Collision – Collision coverage will pay to fix damage to your Equinox resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for things like hitting a parking meter, sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Medical costs insurance – Coverage for medical payments and/or PIP kick in for immediate expenses like nursing services, X-ray expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, theft, fire damage and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage 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. So UM/UIM coverage is a good idea.
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate.
Low-cost 2010 Chevy Equinox insurance can be purchased both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.