Buying affordable insurance for a Chevrolet Equinox in California is dependent upon many rating criteria such as miles driven annually, the likelihood of your vehicle being stolen, and any driving offenses on your record. Drivers pay on average $1,383 each year to insure their Equinox, but that figure is an approximation based upon a 30-year-old married male driver with full coverage and $250 deductibles.
Most likely you are not 30 years old and maybe not even male, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. Just a very minor change in rating criteria or coverage limits can make a large difference in the cost of insurance for a Chevrolet Equinox.
Not everyone needs the same coverages, so the best method for finding cheap insurance prices for your Chevrolet is to do a thorough rate comparison. It’s really quite easy you will receive price comparisons from some of the most affordable companies available.
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The specific trim level tends to impact the cost of coverage, so the price you will be charged to insure a Equinox LS 2WD will be $146 less than the insurance cost for the high end Equinox LTZ AWD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| Equinox LT 2WD | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| Equinox LS AWD | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| Equinox LT AWD | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| Equinox LTZ 2WD | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Equinox LTZ AWD | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Equinox LTZ AWD | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can modify coverage rates greatly.
Buying coverage from a highly-rated auto insurance provider can be a challenge considering how many different insurance companies sell coverage in California. The information displayed below may help you pick which car insurance providers to look at when trying to find cheaper insurance for a Chevrolet Equinox.
These ratings are only comprised of large nationwide companies, so companies that may only write in California will not be included in these rankings. To get price quotes from these top-rated insurers and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Chula Vista auto insurance rates
Car insurance companies that sell policies for a Chevrolet Equinox may provide premium discounts that can reduce rates by as much as 35% or more if you are eligible to receive them. The best auto insurance companies and some of the premium reductions they offer are outlined below.
- AAA has savings for good student, anti-theft, multi-policy, pay-in-full, and AAA membership discount.
- Progressive may offer discounts for online signing, continuous coverage, online quote discount, good student, multi-vehicle, and homeowner.
- State Farm offers premium reductions for Drive Safe & Save, passive restraint, good student, anti-theft, and accident-free.
- Esurance has discounts for emergency road assistance, anti-lock brakes, DriveSense, online shopper, homeowner, and Pac-12 alumni.
- Nationwide includes discounts for Farm Bureau membership, accident-free, good student, easy pay, anti-theft, and defensive driving.
The example below compares auto insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, marriage, claim-free, defensive driving course, homeowner, and multiple policy discounts applied. With discounts applied, theamount saved on auto insurance for a Chevrolet Equinox is 28% or $860.
How much more does full coverage cost?
Buying cheaper auto insurance should be important to the majority of drivers, and one of the fastest ways to find cheap insurance for a Chevrolet Equinox is to buy liability only. The illustration below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The premiums are based on no claims or driving citations, $250 deductibles, single marital status, and no policy discounts are applied.
If averaged for all ages, full coverage costs $2,743 per year more than insuring for liability only. Many drivers will wonder when is it safe to stop buying full coverage. There is no written rule for eliminating physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
Why are you paying too much for Equinox insurance?
California auto insurance rates are determined by lots of factors that can increase the price you pay. Getting older, buying a different home, or getting into an accident can trigger rate changes that can make some companies cheaper than competitors.
In addition, car insurance companies change their prices as needed as an adjustment for underwriting gains or losses. Significantly higher losses can result in additional price hikes, while a better claims history can produce more affordable Equinox insurance rates.
As an example, the bar chart below compares the cheapest car insurance in Chula Vista, CA for a 35-year-old male driver with no accidents or violations, and good financial standing. If we compare prices based on his current risk factors, USAA might quote the best car insurance rates in Chula Vista at $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Chula Vista, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example an accident claim, a little lower credit rating, and a traffic ticket or two. Because every insurance company has a different process to establish rates, analyzing rate quotes could result in a substantially altered list of the cheapest companies as shown below.
Grange now has the cheapest auto insurance in Chula Vista with Progressive, Allstate, Mercury, and Allied now rounding out the top five. This example shows why Chula Vista drivers need to compare lots of rates to find the cheapest car insurance quotes for a Chevrolet Equinox.
Rates can be determined by many things and change frequently, so the most affordable company the last time you shopped your coverage around may now be costing you a lot of money.
How to find economical insurance for a Chevrolet Equinox
Below you’ll find some of the recommended penny-pinching ideas that can help you locate cheaper car insurance.
- Safer vehicles generally have cheaper insurance rates
- Try to remain claim-free
- Be a cautious driver
- Maintaining good credit helps earn cheaper rates
- Accidents can significantly increase rates
- Shop around for cheaper rates regularly
The last suggestion is extraordinarily important, as we hit on in the article above. Prices charged by car insurance companies in Chula Vista can change in a short period of time, so you should be ready to buy from a different company if a better rate can be found.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. In less than five minutes you could compare prices to find cheaper auto insurance for a Chevrolet Equinox.
If you wish to get help from a professional when shopping around for cheaper insurance for a Chevrolet Equinox, the agents listed below can most likely aid you in deciding which policy fits your needs best. To find a Chula Vista insurance agent in your neighborhood, click the button below the list.
- Farmers Insurance – Francisco Moreno
2471 Main St #19 – Chula Vista, CA 91911 – (619) 476-1066 - Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580 - State Farm: Danny Patel
345 F St #160 – Chula Vista, CA 91910 – (619) 426-8352