Affordable Insurance for a Chevy Equinox in Chandler

It’s shocking but most car insurance buyers have remained with the same car insurance company for more than four years, and almost 40% of drivers have never even shopped around for affordable coverage. Consumers in Arizona can cut their rates by roughly $730 a year by just comparing rate quotes, but they underestimate how much they could save if they swap their current policy for a cheaper one.

The preferred way to find cheaper prices for car insurance rates is to regularly compare prices from providers in Chandler.

1. Get an understanding of auto insurance and the measures you can take to prevent expensive coverage. Many factors that result in higher rates such as inattentive driving and a less-than-favorable credit history can be improved by making lifestyle changes or driving safer.
2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies.
3. Compare the new rates to your current policy premium to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.

One important bit of advice is that you use the same amount of coverage on every quote and and to analyze as many different insurance providers as possible. This guarantees a fair rate comparison and the best price quote selection.

Insurance rate breakdown

The coverage information displayed below highlights estimates of prices for Chevy Equinox models. Knowing how premiums are calculated can help you make smart choices when purchasing an insurance policy.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in specific Chandler garaging location which can influence prices substantially.

Rate comparison for different deductibles

One common question asked by Chandler drivers is the level to set your comp and collision deductibles. The figures shown below lay out the difference in cost between high and low policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table 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 homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Chandler which can influence auto insurance rates noticeably.

Based on this data, using a $100 deductible will cost you about $21 more each month or $252 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 19 months between claim filings, you would probably save some money by selecting a higher deductible. Here is how we made this calculation.

One important caveat is that raising deductibles to save money means you will have to pay more of your own money when you file a claim. That will necessitate enough disposable savings in the event you need to pay more for the deductible.

Safe drivers Chandler pay cheaper rates

The diagram below demonstrates how speeding tickets and at-fault fender-benders raise Chevy Equinox insurance costs for different insured age categories. Data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Chevrolet Equinox insurance rates by gender

The illustration below shows the difference between Chevy Equinox annual premium costs for male and female drivers. The prices are based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Score discounts to get cheaper Chandler car insurance quotes

Car insurance can cost a lot, but you may be missing some discounts that you may not even know about. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be specially asked for prior to getting the savings.

• Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% with some car insurance companies.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
• Defensive Driver Discounts – Taking time to complete a defensive driver course could save 5% or more and easily pay for the cost of the class.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
• Life Insurance – If the company offers life insurance, you could get a break if you buy life insurance.
• Anti-theft Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Multiple Cars – Buying a policy with multiple vehicles on a single policy qualifies for this discount.

We need to note that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The chart below illustrates the comparison of Chevy Equinox car insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-car, and multi-policy discounts applied.

For a list of providers that offer discounts in Chandler, click this link.

Insurance specifics

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, theft and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Equinox resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your Equinox to bring the cost down.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, pain and suffering and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry higher limits.

The illustration below demonstrates why minimum state limits may not be high enough to cover claims.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liability limits.

Coverage for medical payments

Med pay and PIP coverage pay for bills for things like hospital visits, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

What is YOUR best insurance company?

There are still a few companies who don’t offer rates over the internet and most of the time these smaller companies only sell through independent agencies. Budget-conscious Chevy Equinox insurance is available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

You just learned a lot of ways to get a better price on Chevy Equinox insurance in Chandler. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the best price on auto insurance is with a lesser-known regional company.

Drivers leave their current company for many reasons like policy cancellation, delays in paying claims, policy non-renewal or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company can be less work than you think.

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