How many times have you said it’s time to compare more competitive Chevy Equinox insurance in Chula Vista? Are you intimidated by the sheer number of car insurance providers in Chula Vista? Many other people are as well. There are so many options that it can quickly become a difficult mission to compare premium rates on Chevy Equinox insurance. Lots of people think Chula Vista is a great place to live, but inflated car insurance prices can make it hard for many residents to afford.
A study showed that most car insurance policyholders have purchased from the same company for over three years, and almost half have never quoted car insurance rates at all. Drivers in Chula Vista can cut their rates by approximately $469 a year just by getting comparison quotes, but they underestimate the amount of savings they would get if they moved their coverage to a different company.
It’s smart to do price comparisons quite often because car insurance prices are rarely the same from one policy term to another. Just because you had the lowest rates on Chevy Equinox insurance in Chula Vista at your last renewal there is a good chance you can find better rate quotes now. There is a lot of bad information regarding Equinox insurance on the web, but in a few minutes you can learn some solid techniques on how to stop overpaying for insurance in Chula Vista.
How Insurance Companies Determine Chevy Equinox Insurance Rates
Multiple criteria are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are less apparent like your vehicle usage or how safe your car is.
Mature drivers save more – Older, more experienced drivers are viewed as being more responsible, are lower risk to insure, and usually have better credit. Inexperience drivers tend to be less responsible in a vehicle so they pay higher insurance rates.
The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Gaps in coverage mean higher prices – Having a gap between insurance policy dates will be a fast way to increase your renewal premiums. Not only will you pay higher rates, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the California motor vehicle department.
Your spouse saves you money – Having a significant other can get you a discount on your insurance bill. Marriage demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Big cities mean more claims – Living in a small town has it’s advantages when insuring your vehicles. Fewer drivers and short commutes means less chance of accidents. People in densely populated areas have to deal with more auto accidents and longer commutes to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
Insurance loss probability for a Chevy Equinox – Insurers include the past claim trends for vehicles to calculate a price that will offset any claims. Models that have higher loss trends will have a higher cost to insure.
The next table illustrates the actual insurance loss data for Chevy Equinox vehicles. For each policy coverage, the claim amount for all vehicles, as an average, equals 100. Values below 100 are indicative of better than average losses, while numbers that are greater than 100 point to more losses or statistically larger claims.
| 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Low cost Chevy Equinox insurance prices in Chula Vista, CA
When comparing auto insurance rates, know that comparing more prices will enable you to find the best offered rates.
The companies in the list below have been selected to offer free rate quotes in California. If you want to find cheap car insurance in Chula Vista, we suggest you click on several of them to find the lowest car insurance rates.
Rates and other information
The rate table displayed next outlines a range of prices for Chevy Equinox models. Having a better understanding of how car insurance premiums are determined can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Equinox LT 2WD | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Equinox LS AWD | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Equinox LT AWD | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Equinox LTZ 2WD | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Equinox LTZ AWD | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Equinox LTZ AWD | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can modify auto insurance rates considerably.
Deductible comparison
One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The rates below summarize how much more you’ll pay when you select higher and lower physical damage deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Equinox LT 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Equinox LS AWD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Equinox LT AWD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Equinox LTZ 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Equinox LTZ AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Equinox LTZ AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LT 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LS AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LT AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LTZ 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Equinox LTZ AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Equinox LTZ AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific garaging location which can alter price quotes considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $33 more each month or $396 every year across all Chevrolet Equinox models than buying the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claim filings, you would most likely save money by selecting a higher deductible.
The information below illustrates how your choice of deductibles and can raise or lower Chevy Equinox annual premium costs for each age group. The information is based on a married male driver, full coverage, and no discounts are factored in.
Do you need full coverage?
The illustration below illustrates the difference between Chevy Equinox auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop full coverage
There is no specific rule to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your Chevy Equinox settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Best reasons to buy auto insurance in California
Despite the fact that auto insurance is not cheap in Chula Vista, buying auto insurance may be required and benefits you in several ways.
- The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Equinox has a lienholder, most banks will require you to buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Chevy for a much higher rate and force you to pay for the expensive policy.
- Insurance protects both your vehicle and your personal assets. It also can pay for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, especially when you need to use it. But the average driver in California is overpaying more than $865 each year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.
Verify you’re getting every discount
Some companies do not list the entire discount list very well, so we took the time to find some of the more common and the harder-to-find credits available to lower your premiums when you buy Chula Vista auto insurance online.
- Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums if your claims history is clear prior to being involved in the accident.
- Telematics Data Discounts – Insureds who allow data collection to scrutinize vehicle usage remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they have good driving habits.
- Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new vehicles.
- Good Driver Discounts – Accident-free drivers could pay up to 40% less as compared to drivers with claims.
- Chula Vista Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
- More Vehicles More Savings – Drivers who insure all your vehicles on the same auto insurance policy can get a discount for every vehicle.
- Theft Deterrent System – Cars with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
- Sign Online – Many larger companies will give you a small discount simply for signing on their website.
Remember that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will reduce the cost of your policy.
The illustration below shows the comparison of Chevy Equinox annual premium costs with and without discounts. The prices are based on a female driver, no claims or violations, California 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 multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.
To view providers with the best Chevy Equinox insurance discounts in Chula Vista in California, follow this link.
Compare rate quotes but still have a neighborhood Chula Vista auto insurance agent
Some people prefer to buy from a licensed agent and often times that is recommended The best thing about comparing car insurance online is the fact that you can find better rates and still have an agent to talk to. And supporting neighborhood insurance agencies is definitely important in Chula Vista.
After filling out this form (opens in new window), your coverage information is submitted to local insurance agents in Chula Vista who will give you bids and help you find cheaper coverage. You don’t have to drive around because prices are sent immediately to you. You’ll get the best rates AND an agent nearby. If you wish to compare rates from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
If you want to buy car insurance from a local agent, it’s helpful to know the different agency structures that you can choose from. Car insurance agencies are considered either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Independent agents are not limited to a single company and that allows them to write policies through many different car insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, the agent simply finds a different carrier and you stay with the same agent. If you are trying to find cheaper rates, it’s recommended you compare quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Many write coverage with lesser-known insurance companies who may have lower rates.
Below is a short list of independent insurance agencies in Chula Vista that can give you free price quotes.
- Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164 – View Map - Harlem Insurance
357 Broadway – Chula Vista, CA 91910 – (619) 576-3250 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
Exclusive Car Insurance Agencies
Agents of this type have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Consumers often buy from exclusive agents mainly due to the brand rather than having the cheapest rates.
Listed below are exclusive insurance agents in Chula Vista that can give you price quote information.
- Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828 – View Map - Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400 – View Map - Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map
Finding the right car insurance agent should include more criteria than just a low price. Below are some questions you should ask.
- Do they reduce claim amounts on high mileage vehicles?
- What companies can they write with?
- Does the company allow you to choose your own collision repair facility?
- Can you contact them at any time?
- Which members of your family are coverage by the policy?
After talking to the agent and getting good feedback to these questions and a good coverage price, it’s a good possibility that you have found an insurance agent that is professional and can properly service your car insurance policy. Just remember you have the power to cancel your coverage whenever you wish so never assume you’re contractually obligated to your new company indefinitely.
The best rates come from being thorough
Lower-priced Chevy Equinox insurance in Chula Vista is attainable on the web in addition to many Chula Vista insurance agents, so you need to shop Chula Vista auto insurance with both to have the best chance of lowering rates. A few companies may not provide rate quotes online and many times these small, regional companies provide coverage only through independent agents.
When you buy Chula Vista auto insurance online, do not buy poor coverage just to save money. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
Consumers switch companies for many reasons like lack of trust in their agent, policy non-renewal, extreme rates for teen drivers and policy cancellation. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.
Steps to finding better rates for Chevy Equinox insurance in Chula Vista
It takes a few minutes, but the best way to get affordable Chevy Equinox insurance in Chula Vista is to start doing a yearly price comparison from companies in California.
Step 1: Try to comprehend what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many factors that result in higher prices such as high-risk driving behaviors and an imperfect credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company to cancel your current policy. Submit a completed application and payment to your new agent or company. Immediately upon receiving it, safely store the certificate verifying coverage in an easily accessible location.
The key thing to remember is that you’ll want to compare identical coverages on each quote and and to analyze as many companies as feasibly possible. This enables a fair price comparison and a complete price analysis.
More tips and info about auto insurance is available in the articles below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Chula Vista? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance for a Honda Civic? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Sonata in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- How Much are Auto Insurance Quotes for Business Use in Chula Vista? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Child Safety Seats (Insurance Information Institute)
- Uninsured Motorist Statistics (Insurance Information Institute)