Are you looking for more affordable Chevy Equinox insurance in Vancouver? Trying to find the cheapest insurance for your Chevy Equinox in Washington can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are more efficient ways to find auto insurance online and you need to know the proper way to price shop coverage for your Chevy and find the lowest possible price from both online companies and Vancouver agents.
It's a good idea to shop coverage around occasionally since prices are adjusted regularly by insurance companies. Even if you got the best price on Chevy Equinox insurance in Vancouver a couple years back there may be better deals available now. There is too much inaccurate information about Equinox insurance on the web, but in just a couple of minutes you can learn some good information on how to slash your auto insurance rates in Vancouver.
Buying affordable car insurance in Vancouver can be much easier if you know how to start. If you already have coverage or just want a better rate, you can use this information to find the best rates and still get good coverage. Consumers just need to understand the proper way to compare rates from many companies at once.
The companies shown below are our best choices to provide free quotes in Vancouver, WA. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$230||$422||$304||$18||$90||$1,064||$89|
|Equinox LT 2WD||$230||$422||$304||$18||$90||$1,064||$89|
|Equinox LS AWD||$182||$356||$356||$22||$106||$1,022||$85|
|Equinox LT AWD||$198||$390||$282||$16||$84||$970||$81|
|Equinox LTZ 2WD||$246||$530||$334||$20||$100||$1,230||$103|
|Equinox LTZ AWD||$182||$284||$386||$22||$116||$990||$83|
|Equinox LTZ AWD||$164||$310||$282||$16||$84||$856||$71|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can decrease or increase auto insurance rates substantially.
Car insurance premiums based on gender
The diagram below shows the difference between Chevrolet Equinox auto insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in.
Impact of speeding/accidents on Vancouver car insurance rates
The example below demonstrates how citations and at-fault fender-benders can drive up Chevrolet Equinox insurance prices for each different age group. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Buying the right Chevy vehicle insurance in Washington is an important decision
Even though Vancouver Equinox insurance rates can get expensive, buying insurance may be mandatory for several reasons.
First, almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability coverage if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your car, it's most likely the lender will have a requirement that you have comprehensive coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Chevy for a much higher rate and require you to pay the higher premium.
Third, insurance safeguards your Chevy and your assets. It will also cover medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your insurance policy will cover the repair costs.
The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying over $865 each year so it's recommended you shop around at every renewal to ensure rates are inline.
Smart Consumers Save on Insurance
Many things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are not quite as obvious like where you live or your financial responsibility. Part of the insurance buying process is learning some of the things that aid in calculating your policy premiums. If you know what determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.
Decrease insurance rates by maintaining coverage - Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.
Do you know you're credit score? - Having a bad credit score is likely to be a major factor in your rate calculation. Therefore, if your credit rating is low, you could potentially save money when insuring your Chevrolet Equinox by repairing your credit. Consumers who have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with bad credit.
High performance vehicles cost more to insure - The performance level of the car, truck or SUV you own makes a huge difference in the rate you pay. Since the Chevrolet Equinox is classified as a crossover, rates will be slightly more as compared to the average rate in Vancouver. The lowest performance passenger models normally have pretty low rates, but many other things help determine your insurance rates.
Policy claims cost money - Car insurance companies in Washington generally give better rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
Teen drivers cost more - Beginning drivers in Washington are statistically shown to be inattentive and easily distracted when behind the wheel so insurance rates are higher. Adding a teen driver onto your insurance can be very expensive. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents, and are safer drivers.
Job stress can affect rates - Do you have a high-stress occupation? Careers such as real estate brokers, airline pilots, and miners usually pay higher premium rates because of job stress and lengthy work days. Other careers such as scientists, students and homemakers pay the least.
Marriage can lower costs - Having a significant other can get you a discount when buying insurance. It is viewed as being less irresponsible and insurance companies like that drivers who are married file infrequent claims.
Vehicle features impact insurance rates - Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
Insurance loss probability for a Chevy Equinox - Insurers study historical loss data when they calculate premium rates for each model. Vehicles that the data determines to have a trend towards higher claims will have a higher premium rate.
The next table shows the insurance loss data for Chevy Equinox vehicles. For each coverage type, the claim probability for all vehicles, regardless of make or model, is represented as 100. Numbers below 100 suggest a positive loss record, while numbers above 100 indicate more frequent losses or statistically larger losses.
Chevrolet Equinox Insurance Claim Statistics
|Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
These discounts can lower your insurance quotes
Some insurers don't necessarily list all discounts very well, so the below list has some of the best known and also the lesser-known discounts that you may qualify for.
- Organization Discounts - Belonging to a qualifying organization could qualify you for a break when getting a Vancouver car insurance quote.
- Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
- Mature Driver Discount - Drivers over the age of 55 may qualify for a small discount on rates.
- Telematics Devices - Insureds who allow their insurance company to analyze driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they exhibit good driving behavior.
- Discounts for Multiple Vehicles - Buying a policy with multiple cars on one policy can get a discount for every vehicle.
- Multi-policy Discount - If you can combine your homeowners and auto policy and insure them with the same company you could save nearly 15% which can help you find cheap Equinox insurance.
A quick disclaimer, some credits don't apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you could get a free insurance policy, nobody gets a free ride.
For a list of insurance companies who offer insurance discounts in Washington, click here to view.
Are auto insurance agents of importance?
Many people just want to sit down with an agent and that can be a smart move Professional agents are trained risk managers and will help you if you have claims. The best thing about comparing rate quotes online is you may find the lowest rates but also keep your business local.
To make it easy to find an agent, after completing this short form, your information is instantly submitted to local insurance agents who will give competitive quotes for your coverage. It makes it easy because there is no need to find an agent on your own since price quotes are sent directly to you. If you wish to compare rates from one company in particular, you would need to find their quoting web page and fill out their quote form.
Selecting an provider shouldn't rely on just the bottom line cost. A good agent in Vancouver will have answers to these questions.
- Do the companies they represent have a solid financial rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long has their agency been open in Vancouver?
- Are all drivers listed on the coverage quote?
- Does the agency have a current Errors and Omissions policy?
- Is the coverage adequate for your vehicle?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is assistance available after office hours?
Multiple types of car insurance agents in Vancouver
When looking for a good insurance agency, there are a couple of different agency structures and how they are distinctly different. Auto insurance agents in Vancouver can either be exclusive or independent agents depending on their company appointments. Both types can write auto insurance policies, but it's important to know the subtle differences because it can impact the selection process.
These agents can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company's rates so if the price isn't competitive there isn't much they can do. They receive a lot of sales training on their company's products and that allows them to sell at a higher price point. Drivers often buy from exclusive agents primarily because of the brand and solid financial strength.
Listed below are exclusive insurance agents in Vancouver that are able to give comparison quotes.
- Allstate Insurance: Jason Hall
9300 NE Vncvr ML Dr, Ste 101 - Vancouver, WA 98662 - (360) 713-5323 - View Map
- Javier Navarro - State Farm Insurance Agent
5930 E 4th Plain Blvd #103 - Vancouver, WA 98661 - (360) 713-6330 - View Map
- Ed Daly - State Farm Insurance Agent
910 NE Tenney Rd #125 - Vancouver, WA 98685 - (360) 573-7710 - View Map
Independent Auto Insurance Agencies
These agents often have many company appointments and that enables them to quote your coverage with any number of different companies and find the cheapest rate. If they find a cheaper price, the business is moved internally which requires no work on your part. When comparing rates, you should always check rates from a couple of independent agencies to get the most accurate price comparison. They also have the ability to place coverage with different regional companies which could offer lower prices.
Shown below are independent agencies in Vancouver that can give you price quote information.
- Biggs Insurance Services
916 Main St - Vancouver, WA 98660 - (360) 695-3301 - View Map
- Cross Insurance Agency
1217 NE 99th St #102 - Vancouver, WA 98665 - (360) 993-4780 - View Map
- Bryant and Associates
7600 NE 41st St #125 - Vancouver, WA 98662 - (360) 254-8150 - View Map
Cheap Chevy Equinox insurance in Vancouver can be sourced online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and usually these smaller companies prefer to sell through local independent agencies.
As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best possible price and still be able to protect your assets.
Drivers change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and even delays in paying claims. No matter why you want to switch, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
More detailed insurance information can be found at these sites:
- Distracted Driving Extends Beyond Texting (State Farm)
- Who Has Cheap Washington Car Insurance for High Mileage Drivers? (FAQ)
- How Much are Auto Insurance Quotes for Inexperienced Drivers in Washington? (FAQ)
- How Much are Car Insurance Rates for a Subaru Outback in Washington? (FAQ)
- What is the Cheapest Car Insurance in Bellingham, Washington? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Older Driver Statistics (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)