Auto Insurance Quotes for a Chevy Equinox in Mesa

Are you looking for a better way to compare cheaper Chevy Equinox insurance in Mesa? Comparing Mesa auto insurance quotes online can seem complicated if you have never taken advantage of quoting online. Don’t let that bother you because finding cheaper rates for Chevy Equinox insurance in Mesa is actually fairly simple.

Steps to quoting cheaper Chevy Equinox insurance in Mesa

It takes a few minutes, but the best way to get more affordable Chevy Equinox insurance in Mesa is to compare quotes annually from insurance carriers that sell auto insurance in Arizona. Prices can be compared by following these steps.

1. Get an understanding of what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating factors that increase rates such as tickets, at-fault accidents, and an unacceptable credit history can be remedied by paying attention to minor details.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for many different companies.
3. Compare the new rate quotes to your current policy and determine if cheaper Equinox coverage is available. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.

An important part of this process is that you use the same physical damage deductibles and liability limits on every quote and and to get price quotes from every insurance company. Doing this provides the most accurate price comparison and a thorough selection of prices.

It’s well known that insurance companies don’t want policyholders to shop around. Insureds who shop around for cheaper price quotes are inclined to switch to a new company because there is a significant possibility of finding a more affordable policy. A study showed that drivers who routinely compared rates saved about $3,500 over four years compared to other drivers who never shopped around for better prices.

If finding discount rates on Chevy Equinox insurance in Mesa is your goal, then having some knowledge of how to quote prices and compare auto insurance can help you be more efficient.

If you have insurance now, you should be able to reduce premiums using these techniques. This article’s goal is to help you learn the most effective way to quote insurance and how to save the most money. But Arizona consumers do need to learn the way insurance companies compete online because rates are impacted by many factors.

When shopping for Chevy Equinox insurance in Mesa there are multiple ways to compare prices from lots of Arizona auto insurance companies. The best way to compare Chevy Equinox insurance prices is to get quotes online.

Just remember that comparing a large number of companies will increase your chances of finding more affordable insurance. Not every company does online Mesa Equinox insurance quotes, so you also need to get price quotes on coverage from those companies, too.

The providers in the list below can provide price quotes in Arizona. If you want cheap auto insurance in Mesa, AZ, it’s a good idea that you visit two to three different companies to get the best price comparison.

Facts and figures for Chevy Equinox insurance

The premium table below highlights detailed analysis of rate quotes for Chevy Equinox models. Knowing how insurance policy rates are determined can help you make decisions when shopping your coverage around.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in Mesa location which can revise rates noticeably.

Auto insurance deductibles

The hardest decision when buying coverage is which deductibles should you choose. The following insurance rates outline the premium difference when you choose different comp and collision deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can alter insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $12 more each month or $144 for a full year than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would probably come out ahead if you elect the higher deductible. The illustration below shows how we made this calculation.

One big caveat is that raising deductibles means you will have to pay more out-of-pocket if you have a claim. That will necessitate some extra funds in the event you have to pay more to get your vehicle repaired.

Learn How to Get Insurance Cheaper

Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable like an MVR report, but others are not quite as obvious such as whether you are married or how safe your car is. A large part of saving on insurance is knowing some of the things that go into determining the rates you pay for insurance. If you have some idea of what influences your rates, this allows you to make good choices that can earn you lower insurance prices.

The itemized list below are a few of the things utilized by car insurance companies to help set prices.

• Older drivers pay less – Mature drivers are proven to be safer behind the wheel, file fewer claims, and are safer drivers. Beginning drivers are statistically shown to be inattentive when driving so they pay higher insurance rates.

  The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Performance influences insurance premiums – The make and model of the vehicle you are trying to find cheaper insurance for makes a big difference in how high your rates are. Small economy passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.

  The next chart is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Chevrolet Equinox policy rates compared to other vehicles that have a range of risk factors.

• Demanding occupation may mean higher rates – Did you know your insurance rates can be affected by your occupation? Jobs like doctors, airline pilots, and financial analysts have higher average rates due to intense work requirements and extremely grueling work hours. Other careers like farmers, historians and performers pay the least.
• When should you not file insurance claims? – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Companies in Arizona provide the lowest premiums to drivers that do not abuse their auto insurance. Your insurance policy is intended for larger claims.
• Big city or small town – Being located in a rural area may provide you with better prices if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates. City drivers tend to have much more traffic and longer commutes to work. More time commuting statistically corresponds to a higher accident and claim rate.
• Drive less and get lower premiums – The more you drive your Chevy every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Improper usage on your Equinox can cost quite a bit. It’s a smart idea to ensure your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
• Married people drive safer – Walking down the aisle may cut your premiums on insurance. Marriage generally demonstrates drivers are less irresponsible and statistics prove married drivers tend to file fewer claims.

• Insurance losses for a Chevy Equinox – Insurance companies study historical loss data to determine a rate that will be profitable for them. Models that the statistics show to have increased claim numbers or amounts will have increased rates. The information below illustrates the historical loss data for Chevy Equinox vehicles.

  For each policy coverage type, the claim probability for all vehicles averaged together is considered to be 100. Numbers under 100 indicate better than average losses, while percentages above 100 indicate frequent claims or larger claims.

  
  

  Chevrolet Equinox Insurance Loss Statistics

  Specific Chevrolet Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Equinox 4dr 2WD	82	86	74	101	104	93
  Chevrolet Equinox 4dr 4WD	84	88	85	89	93	81

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Insurance in Arizona serves several purposes

Despite the high cost, insuring your vehicle is required by state law in Arizona and it also provides benefits you may not be aware of.

First, the majority of states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Equinox with a loan, most lenders will force you to carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Chevy at a more expensive rate and require you to reimburse them for the much more expensive policy.

Third, insurance protects your Chevy Equinox and your assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Equinox outweigh the cost, especially when you need to use it. The average driver in America overpays as much as $830 a year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.