2022 Chevrolet Equinox Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Sick and tired of not being able to scrape enough together to pay your auto insurance bill each month? Your situation is no different than many other drivers.

There are many insurers to insure vehicles with, and even though it’s nice to have a choice, more choices can make it harder to find a good deal.

Consumers need to do price comparisons before your next renewal because auto insurance rates change regularly. If you had the best deal for Equinox coverage a couple years back other companies may now be cheaper. You can find a lot of information about auto insurance on the internet, but in just a couple of minutes you can learn some great ways to reduce your auto insurance bill.

Buying car insurance is not rocket science. Basically, anyone who buys insurance coverage will be able to reduce their rates. But consumers do need to learn how insurance companies price insurance differently because it can help you find the best coverage.

Which insurance coverage is cheapest?

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way to do it. You can spend countless hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get prices fast.

Most major companies belong to a marketplace where insurance shoppers complete one form, and each company can provide price quotes for coverage. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To access this free quoting program, enter your zip code here.

The only drawback to doing it this way is you can’t choose which carriers to receive prices from. If you prefer to choose individual companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click to enter zip code.

It’s your choice how you get your quotes, but try to use exactly the same deductibles and coverage limits on every quote. If you have mixed coverages it’s not possible to make an equal comparison. Even a minor difference in limits may result in large price differences. And when comparison shopping, comparing all the rates in your area increases your odds of finding more affordable rates. Some smaller insurers to not give online quotes, so you should also compare price estimates from the smaller companies as well.

Do I need special coverages?

When it comes to choosing the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if hit by an uninsured driver?
  • How do I insure my teen driver?
  • Why is insurance for a teen driver so high?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need replacement cost coverage on my 2022 Chevy Equinox?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance 101

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and 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

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Chevy Equinox.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This will pay to fix damage to your Equinox resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, structural damage, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

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